{"id":8813,"date":"2024-08-28T22:56:38","date_gmt":"2024-08-28T20:56:38","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/maximum-ahv-pension-in-2025-70-francs-more-pension\/"},"modified":"2024-10-26T18:06:02","modified_gmt":"2024-10-26T16:06:02","slug":"maximum-ahv-pension-in-2025-70-francs-more-pension","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/maximum-ahv-pension-in-2025-70-francs-more-pension\/","title":{"rendered":"Maximum AHV pension in 2025: 70 francs more pension"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 9<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-95c9931\" data-block-id=\"95c9931\"><p class=\"stk-block-text__text\">The maximum AHV pension in 2025 influences many other pension figures in 2025, for example in occupational benefits insurance and pillar 3a.\nThese determine how high your pension will be and the maximum amount you can deduct from your taxes in pillar 3a.\nOn January 1, 2025, there will be a higher maximum AHV pension.\nDiscover the changes and what they mean.   <\/p><\/div>\n\n<!--more-->\n\n<p data-block-type=\"core\">Every year on January 1, there are changes to social insurance.\nThe Federal Social Insurance Office (FSIO) provides information on this in various publications.\nWe have read them for you and summarized the most important information.\nHow will the Swiss pension amount change in 2025?   <\/p>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-7d36c4e stk-block-background\" data-block-id=\"7d36c4e\"><p class=\"stk-table-of-contents__title\">That&#8217;s what the article is about:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#strong-in-der-1-saule-steigt-die-maximale-ahv-rente-2025-strong\">In the 1st pillar, the maximum AHV pension will increase in 2025  <\/a><ul><li><a href=\"#wie-viel-wird-die-ahv-rente-2025-erhoht\">How much will the AHV pension increase in 2025?<\/a><\/li><li><a href=\"#wie-hoch-ist-die-minimale-altersrente-2025\">What is the minimum retirement pension in 2025?<\/a><\/li><li><a href=\"#wie-entwickeln-sich-die-ahv-beitrage-der-selbststandigen-und-nichterwerbstatigen\">How are the AHV contributions of self-employed and non-employed persons developing?  <\/a><\/li><li><a href=\"#mehr-geld-fur-kinder-erstmals-steigen-kinder-und-ausbildungszulagen\">More money for children: child and education allowances increase for the first time<\/a><\/li><\/ul><\/li><li><a href=\"#strong-in-der-2-saule-steigt-der-mindestzins-auf-1-25-strong\">In the 2nd pillar, the coordination deduction will increase in 2025<\/a><ul><li><a href=\"#bvg-21-reform-verabschiedet-referendum-am-22-september-2024\">BVG21 reform adopted &#8211; referendum on September 22, 2024<\/a><\/li><li><a href=\"#strong-wie-viel-einkommen-ist-in-der-beruflichen-vorsorge-versichert-strong\">How much income is insured under occupational benefits insurance?<\/a><\/li><li><a href=\"#bvg-eintrittsschwelle-2024-strong-ab-welchem-lohn-muss-ich-beitrage-fur-die-berufliche-vorsorge-zahlen-strong\">BVG entry threshold 2025: From what salary do I have to pay contributions to the occupational benefit scheme?&nbsp; <\/a><\/li><li><a href=\"#wie-hochh-ist-der-bvg-mindestzinssatz-2025\">What is the BVG minimum interest rate in 2025?<\/a><\/li><li><a href=\"#wie-viel-steigen-die-renten-in-der-beruflichen-vorsorge-2025\">How much will occupational pensions increase in 2025?<\/a><\/li><li><a href=\"#strong-was-ist-in-der-ahv-und-was-im-bvg-versichert-strong\">What is insured under the AHV and what is insured under the BVG?<\/a><\/li><\/ul><\/li><li><a href=\"#strong-in-der-saule-3-a-strong-steigt-strong-der-maximalbetrag-202-strong-5-strong-strong-bei-strong-7258-franken-strong\">In pillar 3a, the maximum amount will rise to CHF 7,258 in 2025<\/a><ul><\/ul><\/li><li><a href=\"#strong-zusammenfassung-maximale-ahv-rente-strong-2025\">Summary of maximum AHV pension 2025<\/a><ul><\/ul><\/li><li><a href=\"#weitere-fragen-zur-ahv-rente\">Further questions about the AHV pension<\/a><ul><li><a href=\"#wird-die-ahv-rente-2025-erhoht\">Will the AHV pension be increased in 2025?  <\/a><\/li><li><a href=\"#wie-hoch-ist-die-maximale-ahv-rente-2025\">What is the maximum AHV pension in 2025?<\/a><\/li><li><a href=\"#wie-hoch-ist-die-jahrliche-maximale-plafonierte-ahv-rente-2025\">What is the maximum annual capped AHV pension in 2025?<\/a><\/li><li><a href=\"#wie-hoch-ist-die-maximale-ahv-rente-2024\">What is the maximum AHV pension in 2024?<\/a><\/li><li><a href=\"#wie-viele-jahre-muss-ich-arbeiten-um-eine-maximale-ahv-rente-2025-zu-bekommen\">How many years do I have to work to receive a maximum AHV pension in 2025?<\/a><\/li><\/ul><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e901fe6\" id=\"strong-in-der-1-saule-steigt-die-maximale-ahv-rente-2025-strong\" data-block-id=\"e901fe6\"><h2 class=\"stk-block-heading__text\"><strong>In the 1st pillar, the maximum AHV pension will increase in 2025  <\/strong><\/h2><\/div>\n\n<p data-block-type=\"core\">Every two years, the Federal Council examines whether the AHV and IV pension amount needs to be adjusted due to price and wage trends.\nThe decision is an average value based on price and wage trends and is based on the recommendation of the Federal AHV\/IV Commission.\nThe Federal Council last adjusted pensions in 2023.\nOn January 1, 2025, the <a href=\"\">maximum AHV pension<\/a> will increase by CHF 840 per year.\nThe Federal Council decided this earlier than before at its meeting on August 28, 2024.<sup data-fn=\"\" class=\"fn\"><a id=\"0e49a5c0-aad0-4e24-bd61-4fc72f1926b5-link\" href=\"\">1<\/a><\/sup>    <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-79f962c\" id=\"wie-viel-wird-die-ahv-rente-2025-erhoht\" data-block-id=\"79f962c\"><h3 class=\"stk-block-heading__text\">How much will the AHV pension increase in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">The maximum AHV pension for singles in 2025 will increase by 2.9 % from January 1, 2025 and will now amount to CHF 2,520 per month. This is more than CHF 30,000 per year for the first time, or CHF 30,240 to be precise. In order to receive this maximum AHV pension in 2025, you must have earned an average of at least CHF 90,720 for 44 years and\/or have been credited with childcare credits that put you above this average. Yes, that&#8217;s a lot and unfortunately not everyone receives enough salary to reach this level. But that&#8217;s the way it is \ud83d\ude41<\/p>\n\n<p data-block-type=\"core\">The maximum AHV spouse&#8217;s pension from January 1, 2025 will be CHF 3,780 (= CHF 2,520 * 1.5) or CHF 45,360 per year due to the cap.<\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-5be6640\" data-block-id=\"5be6640\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9219\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025.webp\" width=\"1200\" height=\"800\" alt=\"Maximum AHV pension 2025\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26175928\/Smolio_Blog_Maximale-AHV-Rente-2025-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ddc8657\" id=\"wie-hoch-ist-die-minimale-altersrente-2025\" data-block-id=\"ddc8657\"><h3 class=\"stk-block-heading__text\">What is the minimum retirement pension in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">The minimum AHV pension will also increase from January 1, 2025, from CHF 1,225 to CHF 1,260 per month for singles, or CHF 15,120 per year.<\/p>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Minimum AHV pension 2025<\/th><th class=\"has-text-align-center\" data-align=\"center\">Maximum AHV pension 2025<\/th><th class=\"has-text-align-center\" data-align=\"center\">maximum AHV spouse&#8217;s pension<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">15,120 francs per year<\/td><td class=\"has-text-align-center\" data-align=\"center\">30,240 francs per year<\/td><td class=\"has-text-align-center\" data-align=\"center\">45,360 francs per year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1,260 francs per month<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,520 francs per month<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,780 francs per month<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Overview of AHV pensions from January 1, 2026<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9c69071\" id=\"wie-entwickeln-sich-die-ahv-beitrage-der-selbststandigen-und-nichterwerbstatigen\" data-block-id=\"9c69071\"><h3 class=\"stk-block-heading__text\">How are the AHV contributions of self-employed and non-employed persons developing?  <\/h3><\/div>\n\n<p data-block-type=\"core\">These will also increase: the minimum contributions for self-employed and non-employed persons for AHV, IV and EO will rise from CHF 514 to CHF 530 per year as of January 1, 2025.\nThe minimum contribution for voluntary OASI\/DI will rise from CHF 980 to CHF 1,010.\nYou can read more about this in the <a href=\"\" target=\"\" rel=\"noopener\">information sheet<\/a> with the changes as of January 1, 2025.  <\/p>\n\n<div class=\"embed-container\"><iframe title=\"Zusammenfassung der \u00c4nderungen AHV, BVG, S\u00e4ule 3a\" aria-label=\"Tabelle\" id=\"datawrapper-chart-L7YO4\" src=\"https:\/\/datawrapper.dwcdn.net\/L7YO4\/2\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"490\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();<\/script><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-647405c stk-block-background\" data-block-id=\"647405c\"><style>.stk-647405c {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-647405c:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-647405c-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e013dd4\" data-v=\"4\" data-block-id=\"e013dd4\"><style>.stk-e013dd4 {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e013dd4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-e013dd4-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-ace2f3e alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"ace2f3e\"><style>.stk-ace2f3e {--stk-columns:1 !important;}.stk-ace2f3e .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-ace2f3e .stk-img-wrapper{height:100% !important;}.stk-ace2f3e .stk-block-posts__title a{color:#ffffff !important;}.stk-ace2f3e .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-ace2f3e .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-ace2f3e .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-ace2f3e-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-ace2f3e-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-much-money-does-a-pensioner-need-in-switzerland-having-enough-to-make-ends-meet-in-retirement\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"698\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final.jpeg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final.jpeg 999w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final-400x279.jpeg 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final-800x559.jpeg 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final-315x220.jpeg 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final-768x537.jpeg 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/04\/10133417\/stones-final-360x252.jpeg 360w\" sizes=\"auto, (max-width: 999px) 100vw, 999px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-much-money-does-a-pensioner-need-in-switzerland-having-enough-to-make-ends-meet-in-retirement\/\">How much money does a pensioner need in Switzerland: having enough to make ends meet in retirement<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>How much money a pensioner needs in Switzerland varies from person to person. What you can assume, however, is that as a retired person you will have much less than today without your own precautionary measures. And around 40% less income that you have to get by with. How does this loss of income come&hellip;<\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-much-money-does-a-pensioner-need-in-switzerland-having-enough-to-make-ends-meet-in-retirement\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9760893\" id=\"mehr-geld-fur-kinder-erstmals-steigen-kinder-und-ausbildungszulagen\" data-block-id=\"9760893\"><h3 class=\"stk-block-heading__text\">More money for children: child and education allowances increase for the first time<\/h3><\/div>\n\n<p data-block-type=\"core\">Family allowances are intended to partially offset the costs incurred by parents in supporting their children. For the first time since the Family Allowances Act (FamZG) came into force in 2009, these are now being increased. This was decided by the Federal Council.<sup data-fn=\"b930958e-4853-493b-b395-ac18d206a266\" class=\"fn\"><a id=\"b930958e-4853-493b-b395-ac18d206a266-link\" href=\"#b930958e-4853-493b-b395-ac18d206a266\">2<\/a><\/sup> The minimum rates for child and education allowances will increase by 7.1 % as of January 1, 2025. The child allowance will be increased from CHF 200 to CHF 215 per month and the education allowance from CHF 250 to CHF 268 per month. Higher rates may apply at cantonal level, but they may not fall below the minimum rate per child.      <\/p>\n\n<p data-block-type=\"core\">Currently, seven cantons (ZH, GL, SO, BL, AG, TG and TI) pay the minimum rates for child allowances under the FamZG and six cantons (ZH, GL, SO, BL, AG and TI) pay the minimum rates for education allowances. In the cantons that have already increased family allowances since 2009 or pay out higher allowances than the federal minimum rates, other adjustments or no adjustments are to be expected. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-aaf7362\" id=\"strong-in-der-2-saule-steigt-der-mindestzins-auf-1-25-strong\" data-block-id=\"aaf7362\"><h2 class=\"stk-block-heading__text\"><strong>In the 2nd pillar, the coordination deduction will increase in<\/strong> 2025<\/h2><\/div>\n\n<p data-block-type=\"core\">The maximum AHV pension in 2025 is the key figure for the key pension figures for 2025, to which other occupational pension figures are linked via fixed formulas and ratios. The expected BVG pensions and <a href=\"\" target=\"\" rel=\"noopener\">BVG<\/a> <a href=\"\" target=\"\" rel=\"noopener\">key figures<\/a> for 2025 will therefore also change.    <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a2b5cde\" id=\"bvg-21-reform-verabschiedet-referendum-am-22-september-2024\" data-block-id=\"a2b5cde\"><h3 class=\"stk-block-heading__text\">BVG21 reform adopted - referendum on September 22, 2024<\/h3><\/div>\n\n<p data-block-type=\"core\">The BVG reform was passed by the Council of States and the National Council on March 17, 2023.\nSince then, the trade unions have launched a referendum.\nSwitzerland will vote on this on September 22, 2024.\nYou can read more about this in our <a href=\"\">specialist article<\/a>.   <br\/><em>Addendum 23.10.2024: the reform was rejected by a clear majority<\/em>.<\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/bvg-reform-referendum-vote-yes-or-no\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"BVG-Reform Referendum\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/07\/11151827\/Smolio-Blog_BVG-Reform-Referendum_towels-for-new-guests-2023-11-27-04-59-13-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/bvg-reform-referendum-vote-yes-or-no\/\">BVG reform referendum: vote yes or no?<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>Vote yes or no to the BVG reform referendum?<br \/>\nOn September 22, 2024, Switzerland will decide on the future of occupational pensions.<br \/>\nThe reform will bring far-reaching changes to retirement pensions.<br \/>\nFind out what this means for you and your financial future.   <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/bvg-reform-referendum-vote-yes-or-no\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2ef253d\" id=\"strong-wie-viel-einkommen-ist-in-der-beruflichen-vorsorge-versichert-strong\" data-block-id=\"2ef253d\"><h3 class=\"stk-block-heading__text\"><strong>How much income is insured under occupational benefits insurance?<\/strong><\/h3><\/div>\n\n<p data-block-type=\"core\">The occupational benefit scheme only insures the \"insured salary\". This is also known as the coordinated salary. You pay contributions on this, which have a pension-forming effect. The upper limit, i.e. the maximum BVG annual salary and the 2025 <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/coordination-deduction\/\">coordination deduction <\/a>, determine how high the insured salary is.   <\/p>\n\n<p data-block-type=\"core\">The upper limit will rise to CHF 90,720 on January 1, 2025.\nThe coordination deduction for 2025 is now CHF 26,460.\nTo determine the amount of the insured salary, the pension fund deducts the coordination deduction from your gross annual salary.\nIf your annual gross salary is between CHF 22,680 (BVG entry threshold 2025) and CHF 30,240 (maximum AHV individual pension), the pension fund will insure you with the BVG minimum salary of CHF 3,780.   <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><tbody><tr><td>Maximum BVG annual salary<\/td><td>BVG coordination deduction 2024<\/td><td>max.\ninsured BVG salary <\/td><\/tr><tr><td>90,720 francs<\/td><td>.\/.\n26'460 Franken <\/td><td>= 64,260 francs<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Transition to the maximum insured salary under the BVG<\/figcaption><\/figure>\n\n<p data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4c0810c\" id=\"bvg-eintrittsschwelle-2024-strong-ab-welchem-lohn-muss-ich-beitrage-fur-die-berufliche-vorsorge-zahlen-strong\" data-block-id=\"4c0810c\"><h3 class=\"stk-block-heading__text\">BVG entry threshold 2025: <strong>From what salary do I have to pay contributions to the occupational benefit scheme? <\/strong>  <\/h3><\/div>\n\n<p data-block-type=\"core\">This is regulated by the <strong>BVG entry threshold<\/strong> <strong>2025, <\/strong>also known as the minimum annual salary.\nThis will increase to CHF 22,680 per year on January 1, 2024.\nIf you earn less than this, you will not be insured under the occupational pension scheme.\nYou will then not receive a pension from the second pillar.\nThat's why part-time employees or people with multiple jobs and low workloads need to make sure that they earn more than the BVG entry threshold for 2025.\nLet's hope that your salary will grow at least in line with inflation in 2025 and that you will exceed the entry threshold!     <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><tbody><tr><td>Coordination deduction 2025<\/td><td>BVG entry threshold 2025<\/td><td>insured BVG minimum wage 2025<\/td><\/tr><tr><td>26,460 francs<\/td><td>.\/.\n22'680 Franken <\/td><td>= 3'780 francs<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Transition to the insured minimum salary in the BVG<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-dcb8d38\" id=\"wie-hochh-ist-der-bvg-mindestzinssatz-2025\" data-block-id=\"dcb8d38\"><h3 class=\"stk-block-heading__text\">What is the BVG minimum interest rate in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">The minimum interest rate for occupational benefits insurance (BVG minimum interest rate 2025) will remain at 1.25 % in the coming year 2025. The Federal Council was informed at its meeting on October 9, 2024 that a review of the rate is not necessary this year.<sup data-fn=\"\" class=\"fn\"><a id=\"fc314dc5-9e33-4b70-ba2f-655fc2a53fa2-link\" href=\"\">3<\/a><\/sup> It must review the level of the minimum interest rate at least every two years and will carry out the review again in 2025 for 2026. On September 2, 2024, the Federal Commission for Occupational Pension Plans also spoke out in favor of maintaining the rate.  <\/p>\n\n<p data-block-type=\"core\">The <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/minimum-interest-rate\/\">minimum interest rate<\/a> determines the minimum percentage of interest that must be paid on your BVG <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/extra-mandatory-extra-mandatory-benefits\/\">mandatory<\/a> pension assets.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-63b087a\" id=\"wie-viel-steigen-die-renten-in-der-beruflichen-vorsorge-2025\" data-block-id=\"63b087a\"><h3 class=\"stk-block-heading__text\">How much will occupational pensions increase in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">There is no mandatory inflation adjustment for pensions that exceed the BVG minimum. In accordance with Art. 36 para. 2 BVG, the Board of Trustees of your pension fund decides each year whether and how much your pension from the pension fund will increase.  <\/p>\n\n<p data-block-type=\"core\">The situation is different for mandatory survivors' and disability pensions: these must be regularly adjusted for inflation until the normal retirement age, for the first time after three years. The adjustment takes place on January 1 of the following year (i.e. in the fourth year); thereafter it is linked to the AHV inflation adjustment and generally takes place every two years. <\/p>\n\n<p data-block-type=\"core\">As of January 1, 2025, survivors' and disability pensions from the mandatory second pillar will be adjusted for inflation.<sup data-fn=\"139ae8b8-dee4-4753-a540-c4caa798d54f\" class=\"fn\"><a id=\"139ae8b8-dee4-4753-a540-c4caa798d54f-link\" href=\"#139ae8b8-dee4-4753-a540-c4caa798d54f\">4<\/a><\/sup> By how much depends on how long the pension has already been drawn:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Pensions in payment since 2021 will be adjusted for the first time; increase of 5.8 %.<\/li>\n\n\n\n<li data-block-type=\"core\">Pensions adjusted for the first time on January 1, 2024: Increase of 0.8 %.<\/li>\n\n\n\n<li data-block-type=\"core\">Pensions adjusted for the last time on January 1, 2023: Increase of 2.5 %.<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-85a143a\" data-block-id=\"85a143a\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9222\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2.webp\" width=\"1200\" height=\"800\" alt=\"Maximum AHV pension 2025\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/08\/26180033\/Smolio_Blog_Maximale-AHV-Rente-2025_2-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-080bf3d\" id=\"strong-was-ist-in-der-ahv-und-was-im-bvg-versichert-strong\" data-block-id=\"080bf3d\"><h3 class=\"stk-block-heading__text\"><strong>What is insured under the AHV and what is insured under the BVG?<\/strong><\/h3><\/div>\n\n<p data-block-type=\"core\">You must pay AHV contributions on your entire income. In the AHV, the amount of your salary and number of years determine how high your pension will be. The situation is different with mandatory occupational benefits insurance. Here, only a small part of your income forms your future pension: your salary up to the upper limit minus the coordination deduction. You can imagine it like this: for the first CHF 26,460 of your salary (= coordination deduction 2025) you are only insured under the AHV.     On the salary that exceeds this, you save for your future pension both in the AHV and in the pension fund. If your income exceeds the upper limit or is below the coordination deduction, you save extra-mandatory amounts in your occupational pension fund in accordance with the regulations of your pension fund.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-13c6ec1\" id=\"strong-in-der-saule-3-a-strong-steigt-strong-der-maximalbetrag-202-strong-5-strong-strong-bei-strong-7258-franken-strong\" data-block-id=\"13c6ec1\"><h2 class=\"stk-block-heading__text\"><strong>The maximum amount<\/strong><strong>for pillar 3a <\/strong>will rise to <strong>CHF 7,258<\/strong> in <strong>2025<\/strong><strong> <\/strong><\/h2><\/div>\n\n<p data-block-type=\"core\">Further key pension figures for 2025 are derived from the AHV pension 2025. For example, the small and large maximum pillar 3a amounts. This time the pillar 3a deduction is increased. This is because it is linked to the maximum AHV individual pension via a factor. That's why you can deduct more in pillar 3a from 2025 than in 2024. The pillar 3a maximum amount 3a 2025 will also increase for self-employed persons. However, they must earn at least CHF 176,400 to be able to take advantage of the maximum of 20% or CHF 36,288. I wish it for you!<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">The <strong>small maximum Pillar 3a 2025 amount<\/strong> for employees with a pension fund is <strong>CHF 7,258<\/strong><\/li>\n\n\n\n<li data-block-type=\"core\">the <strong>large maximum Pillar 3a 2025 amount<\/strong> for self-employed persons or part-time employees without a pension fund is 20 % of net earned income, up to a maximum of <strong>CHF 36,288<\/strong><\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable - most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">You can use the small maximum Pillar 3a amount if you are insured with a pension fund through your employer.\nYou can use the large maximum Pillar 3a amount if you do not belong to a pension fund, for example as a self-employed person or part-time worker.\nThe large maximum amount is intended to prevent a pension gap from occurring because you will not receive a pension from the occupational pension fund.  <\/p>\n\n<p data-block-type=\"core\">Here's how: make the most of your options and avoid common <a href=\"https:\/\/www.smolio.ch\/wissen\/fehler-in-der-saeule-3a-was-du-besser-machen-kannst\/\">mistakes<\/a> in pillar 3a.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d76132c\" id=\"strong-zusammenfassung-maximale-ahv-rente-strong-2025\" data-block-id=\"d76132c\"><h2 class=\"stk-block-heading__text\"><strong>Summary of maximum AHV pension <\/strong>2025<\/h2><\/div>\n\n<p data-block-type=\"core\">From next year, there will be some changes to the pension figures for 2025 because the maximum AHV pension will increase in 2025.\nAs a result, the coordination deduction, entry threshold and upper limit in the mandatory occupational benefits insurance will change.\nAnd in pillar 3a, the maximum tax deduction will increase to CHF 7,258 for employees.\nIf possible, therefore, make sure you take advantage of the opportunities in private pension provision with pillar 3a.   <\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-d3ac591 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-d3ac591-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-d3ac591-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-d3ac591 h1,.ugb-d3ac591 h2,.ugb-d3ac591 h3,.ugb-d3ac591 h4,.ugb-d3ac591 h5,.ugb-d3ac591 h6{color:#ffffff}.ugb-d3ac591 p,.ugb-d3ac591 li,.ugb-d3ac591 label,.ugb-d3ac591 table{color:#ffffff}.ugb-d3ac591-content-wrapper > h1,.ugb-d3ac591-content-wrapper > h2,.ugb-d3ac591-content-wrapper > h3,.ugb-d3ac591-content-wrapper > h4,.ugb-d3ac591-content-wrapper > h5,.ugb-d3ac591-content-wrapper > h6{color:#ffffff}.ugb-d3ac591-content-wrapper > p,.ugb-d3ac591-content-wrapper > ol li,.ugb-d3ac591-content-wrapper > ul li{color:#ffffff}.ugb-d3ac591 a,.ugb-d3ac591 a:visited,.ugb-d3ac591 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-d3ac591-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-d3ac591-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-kostenlos-alle-vorsorgekennzahlen-auf-einen-blick-sehen\">See all pension key figures at a glance free of charge<\/h3>\n\n\n\n<p id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Download our overview of the most important pension key figures free of charge.\nWe also explain briefly and concisely what they mean for you. <\/p>\n\n\n<p data-block-type=\"core\"><script type=\"text\/javascript\" src=\"https:\/\/m.smolio.ch\/form\/generate.js?id=6\"><\/script><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<ol class=\"wp-block-footnotes\" data-block-type=\"core\"><li id=\"0e49a5c0-aad0-4e24-bd61-4fc72f1926b5\">The Federal Council (2024): AHV\/IV minimum pension increases by 35 francs, press release 28.08.2024, <a href=\"https:\/\/www.admin.ch\/gov\/de\/start\/dokumentation\/medienmitteilungen.msg-id-102235.html\" target=\"_blank\" rel=\"noreferrer noopener\">Link<\/a> <a href=\"#0e49a5c0-aad0-4e24-bd61-4fc72f1926b5-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"b930958e-4853-493b-b395-ac18d206a266\">The Federal Council (2024): Minimum rates for family allowances to be increased, press release 28.08.2024, <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/publikationen-und-service\/medieninformationen\/nsb-anzeigeseite.msg-id-102232.html\" target=\"_blank\" rel=\"noreferrer noopener\">Link<\/a> <a href=\"#b930958e-4853-493b-b395-ac18d206a266-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"fc314dc5-9e33-4b70-ba2f-655fc2a53fa2\">The Federal Council (2024): Occupational pension provision: The minimum interest rate remains at 1.25 %, <a href=\"https:\/\/www.admin.ch\/gov\/de\/start\/dokumentation\/medienmitteilungen.msg-id-102722.html\" target=\"_blank\" rel=\"noopener\">Link<\/a> <a href=\"#fc314dc5-9e33-4b70-ba2f-655fc2a53fa2-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><li id=\"139ae8b8-dee4-4753-a540-c4caa798d54f\">The Federal Council (2024): Occupational pensions: adjustment of survivors' and disability pensions to price trends as of January 1, 2025, <a href=\"https:\/\/www.admin.ch\/gov\/de\/start\/dokumentation\/medienmitteilungen.msg-id-102737.html\" target=\"_blank\" rel=\"noreferrer noopener\">Link<\/a> <a href=\"#139ae8b8-dee4-4753-a540-c4caa798d54f-link\" aria-label=\"Jump to footnote reference 4\">\u21a9\ufe0e<\/a><\/li><\/ol>\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-422f646\" id=\"weitere-fragen-zur-ahv-rente\" data-block-id=\"422f646\"><h2 class=\"stk-block-heading__text\">Further questions about the AHV pension<\/h2><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-3388892\" id=\"wird-die-ahv-rente-2025-erhoht\" data-block-id=\"3388892\"><h3 class=\"stk-block-heading__text\">Will the AHV pension be increased in 2025?  <\/h3><\/div>\n\n<p data-block-type=\"core\">Yes. OASI\/DI pensions will increase by 2.9 percent on January 1, 2025.\nThis amounts to CHF 70 per month for the maximum AHV pension and CHF 35 for the minimum AHV pension. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-72347a2\" id=\"wie-hoch-ist-die-maximale-ahv-rente-2025\" data-block-id=\"72347a2\"><h3 class=\"stk-block-heading__text\">What is the maximum AHV pension in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">In 2025, a maximum AHV pension of CHF 2,520 will be paid out per month.\nThis corresponds to CHF 30,240 per year.\nThe minimum AHV pension is CHF 1,260 per month.\nThis corresponds to CHF 15,120 per year.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d5f18e0\" id=\"wie-hoch-ist-die-jahrliche-maximale-plafonierte-ahv-rente-2025\" data-block-id=\"d5f18e0\"><h3 class=\"stk-block-heading__text\">What is the maximum annual capped AHV pension in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">In 2025, married couples\/registered partnerships will be paid CHF 3,780 per month as the maximum capped AHV pension.\nThis corresponds to CHF 45,360 per year.\nYou are only entitled to the maximum pension if you have an average annual income of CHF 90,720 or more (as of 2025).\nIf you have such an income and have no contribution gaps, you are entitled to the maximum full AHV pension.\nIf and as long as the sum of the two individual pensions exceeds 150% of the maximum pension for single persons, these are reduced: et voila, that is the maximum capped pension.    <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5796cb9\" id=\"wie-hoch-ist-die-maximale-ahv-rente-2024\" data-block-id=\"5796cb9\"><h3 class=\"stk-block-heading__text\">What is the maximum AHV pension in 2024?<\/h3><\/div>\n\n<p data-block-type=\"core\">In 2024, CHF 2,450 per month will be paid out as the maximum AHV single pension.\nThis corresponds to CHF 29,400 per year.\nThe minimum AHV pension is CHF 1,225 per month.\nThis corresponds to CHF 14,700 per year.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0c3ecbe\" id=\"wie-viele-jahre-muss-ich-arbeiten-um-eine-maximale-ahv-rente-2025-zu-bekommen\" data-block-id=\"0c3ecbe\"><h3 class=\"stk-block-heading__text\">How many years do I have to work to receive a maximum AHV pension in 2025?<\/h3><\/div>\n\n<p data-block-type=\"core\">You will only receive the maximum AHV full pension if your account with the AHV compensation fund shows no gaps in contributions and these correspond on average to at least the maximum BVG annual salary (as at 2025: CHF 90,720). This is 44 years for men and 43 years for women, rising to 44 years under the AHV21 reform. If your contribution history is incomplete or the recorded income or eligible care or child-raising credits are lower, you will only receive a partial pension.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On January 1, 2025, the maximum AHV pension will increase by CHF 70 per month.<br \/>\nOther key pension figures will also increase as a result, for example in occupational benefits insurance or the deductions in pillar 3a.<br \/>\nFind out what will change in the key pension figures in 2025.  <\/p>\n","protected":false},"author":8,"featured_media":5811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"[{\"content\":\"The Federal Council (2024): AHV\\\/IV minimum pension increases by 35 francs, press release 28.08.2024, <a href=\\\"https:\\\/\\\/www.admin.ch\\\/gov\\\/de\\\/start\\\/dokumentation\\\/medienmitteilungen.msg-id-102235.html\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Link<\\\/a>\",\"id\":\"0e49a5c0-aad0-4e24-bd61-4fc72f1926b5\"},{\"content\":\"The Federal Council (2024): Minimum rates for family allowances to be increased, press release 28.08.2024, <a href=\\\"https:\\\/\\\/www.bsv.admin.ch\\\/bsv\\\/de\\\/home\\\/publikationen-und-service\\\/medieninformationen\\\/nsb-anzeigeseite.msg-id-102232.html\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Link<\\\/a>\",\"id\":\"b930958e-4853-493b-b395-ac18d206a266\"},{\"content\":\"The Federal Council (2024): Occupational pension provision: The minimum interest rate remains at 1.25 %, <a href=\\\"https:\\\/\\\/www.admin.ch\\\/gov\\\/de\\\/start\\\/dokumentation\\\/medienmitteilungen.msg-id-102722.html\\\">Link<\\\/a>\",\"id\":\"fc314dc5-9e33-4b70-ba2f-655fc2a53fa2\"},{\"content\":\"The Federal Council (2024): Occupational pensions: adjustment of survivors' and disability pensions to price trends as of January 1, 2025, <a href=\\\"https:\\\/\\\/www.admin.ch\\\/gov\\\/de\\\/start\\\/dokumentation\\\/medienmitteilungen.msg-id-102737.html\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Link<\\\/a>\",\"id\":\"139ae8b8-dee4-4753-a540-c4caa798d54f\"}]"},"categories":[2177,2176],"tags":[2350,2580,2178,2368,2179,2262,2410,2180],"class_list":{"0":"post-8813","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-understanding-the-swiss-pension-system","8":"category-retirement-and-pension-planning","9":"tag-ahv-maximum-pension","10":"tag-bvg-minimum-interest-rate-2024","11":"tag-coordinated-wage","12":"tag-coordination-deduction-en","13":"tag-pension-amount-in-switzerland","14":"tag-pillar-3a","15":"tag-pillar-3a-maximum-amount-2023","16":"tag-retirement-metrics"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800.jpg",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-315x210.jpg",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-800x533.jpg",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-768x512.jpg",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800.jpg",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800.jpg",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800.jpg",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-1140x694.jpg",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-555x360.jpg",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-220x180.jpg",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-360x240.jpg",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-400x267.jpg",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/12\/04150425\/Smolio_Blog_Vorsorgekennzahlen-2023_1200x800-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>On January 1, 2025, the maximum AHV pension will increase by CHF 70 per month.<br \/>\nOther key pension figures will also increase as a result, for example in occupational benefits insurance or the deductions in pillar 3a.<br \/>\nFind out what will change in the key pension figures in 2025.  <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/\" rel=\"category tag\">Understanding the Swiss pension system<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/retirement-and-pension-planning\/\" rel=\"category tag\">Retirement and pension planning<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8813","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8813"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8813\/revisions"}],"predecessor-version":[{"id":9225,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8813\/revisions\/9225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/5811"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}