{"id":8814,"date":"2023-11-13T08:10:00","date_gmt":"2023-11-13T07:10:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pension-key-figures-2024-maximum-ahv-pension-and-3a-unchanged\/"},"modified":"2024-09-17T08:36:42","modified_gmt":"2024-09-17T06:36:42","slug":"pension-key-figures-2024-maximum-ahv-pension-and-3a-unchanged","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pension-key-figures-2024-maximum-ahv-pension-and-3a-unchanged\/","title":{"rendered":"Pension key figures 2024: maximum AHV pension and 3a unchanged"},"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 pension key figures 2024 for the maximum AHV pension 2024, occupational pension provision and pillar 3a determine how high your pensions will be.\nThe AHV reform will take effect on January 1, 2024, but there will be few changes to the 2024 key pension figures.\nFind out what is changing and how much you can deduct from pillar 3a in 2024.  <\/p><\/div>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2860c96\" data-block-id=\"2860c96\"><p class=\"stk-block-text__text\">Every year on January 1, there are changes to social insurance.\nThe Federal Social Insurance Office (FSIO) makes these available in numerous publications.\nWe have sifted through them for you and reduced them to the most important changes.    <\/p><\/div>\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\u2019s what the article is about:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#strong-in-der-1-saule-bleibt-die-maximale-ahv-rente-2024-unverandert-strong\"><a href=\"#strong-in-der-1-saule-bleibt-die-maximale-ahv-rente-2024-unverandert-strong\">In the 1st pillar, the maximum AHV pension will remain unchanged in 2024 <\/a> <\/a><ul><li><a href=\"#kein-ausserordentlicher-teuerungsausgleich-der-ahv-renten\"><a href=\"#kein-ausserordentlicher-teuerungsausgleich-der-ahv-renten\">No extraordinary inflation adjustment for AHV pensions<\/a><\/a><\/li><li><a href=\"#b-strong-ei-tod-von-mutter-oder-vater-nach-der-kindsgeburt-strong-bekommt-der-uberlebende-zwei-wochen-mehr-urlaub\"><a href=\"#b-strong-ei-tod-von-mutter-oder-vater-nach-der-kindsgeburt-strong-bekommt-der-uberlebende-zwei-wochen-mehr-urlaub\">If the mother or father dies after giving birth, the survivor receives two weeks more leave<\/a><\/a><\/li><\/ul><\/li><li><a href=\"#zwei-ahv-initiativen-kommen-im-marz-zur-abstimmung\"><a href=\"#zwei-ahv-initiativen-kommen-im-marz-zur-abstimmung\">Two AHV initiatives will be put to the vote in March<\/a><\/a><ul><li><a href=\"#die-ahv-21-reform-tritt-per-1-januar-2024-in-kraft\"><a href=\"#die-ahv-21-reform-tritt-per-1-januar-2024-in-kraft\">The AHV21 reform comes into force on January 1, 2024<\/a><\/a><\/li><li><a href=\"#wie-entwickeln-sich-die-beitrage-der-selbststandigen-und-nichterwerbstatigen-zur-ahv\"><a href=\"#wie-entwickeln-sich-die-beitrage-der-selbststandigen-und-nichterwerbstatigen-zur-ahv\">How are the contributions of self-employed and non-employed persons to the AHV developing? <\/a> <\/a><\/li><\/ul><\/li><li><a href=\"#strong-in-der-saule-3-a-strong-bleibt-strong-der-maximalbetrag-202-strong-4-strong-strong-unverandert-bei-strong-7056-franken-strong\"><a href=\"#strong-in-der-saule-3-a-strong-bleibt-strong-der-maximalbetrag-202-strong-4-strong-strong-unverandert-bei-strong-7056-franken-strong\">The maximum amount for pillar 3a will remain unchanged at CHF 7,056 in 2024<\/a><\/a><ul><li><a href=\"#finde-die-beste-saule-3-a\">Find the best pillar 3a<\/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-bleibt-die-maximale-ahv-rente-2024-unverandert-strong\" data-block-id=\"e901fe6\"><h2 class=\"stk-block-heading__text\"><strong>In the 1st pillar, the maximum AHV pension will remain unchanged in 2024  <\/strong><\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-79edf2a\" data-block-id=\"79edf2a\"><p class=\"stk-block-text__text\">Every two years, the Federal Council examines whether the AHV and IV pension levels need to be adjusted due to price and wage developments.\nThis time there will be no increase in the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/ahv-full-pension-and-ahv-maximum-pension-ahv-partial-pension\/\">AHV maximum pension<\/a>.\nAs a reminder, the pension was increased by CHF 720 on January 1, 2023 to take account of higher inflation.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5ef249f\" data-block-id=\"5ef249f\"><p class=\"stk-block-text__text\">How will the AHV pension be increased in 2024?\nThe maximum AHV pension 2024 will remain unchanged at CHF 29,400 per year from 1.1.2024.\nIn order to receive this, you must have earned an average of at least CHF 88,200 for 44 years and\/or have received childcare credits that put you above this average.\nYes, that\u2019s a lot and unfortunately not everyone earns enough to reach this figure.\nBut it\u2019s still true \ud83d\ude41    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8151ce6\" data-block-id=\"8151ce6\"><p class=\"stk-block-text__text\">The minimum old-age pension 2024 from January 1, 2024 remains unchanged at CHF 1,225 per month.\nThe maximum AHV pension for 2024 with a full contribution period also remains unchanged.\nIt will remain at CHF 2,450 per month.\nThe maximum AHV spouse\u2019s pension from January 1, 2024 will be CHF 3,675 (= CHF 2,450 * 1.5) due to the cap.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e560380\" id=\"kein-ausserordentlicher-teuerungsausgleich-der-ahv-renten\" data-block-id=\"e560380\"><h3 class=\"stk-block-heading__text\">No extraordinary inflation adjustment for AHV pensions<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9c69071\" data-block-id=\"9c69071\"><p class=\"stk-block-text__text\">On February 22, 2023, the Federal Council <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/publikationen-und-service\/medieninformationen\/nsb-anzeigeseite.msg-id-92733.html\" target=\"_blank\" rel=\"noopener\">gave in to<\/a> the will of Parliament.\nA centrist motion called for the purchasing power of pensioners to be strengthened with a one-off additional increase due to the higher inflation rate.\nHowever, the motion was narrowly rejected by both the National Council and the Council of States in the spring session of 2023.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-759feaa\" id=\"b-strong-ei-tod-von-mutter-oder-vater-nach-der-kindsgeburt-strong-bekommt-der-uberlebende-zwei-wochen-mehr-urlaub\" data-block-id=\"759feaa\"><h3 class=\"stk-block-heading__text\"><strong>If the mother or father dies after giving birth<\/strong>, the survivor receives two weeks more leave<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8db9eb8\" data-block-id=\"8db9eb8\"><p class=\"stk-block-text__text\">The death of a parent immediately after birth is a severe blow.\nFortunately, this rarely happens today.\nNevertheless, from January 1, 2024, the surviving parent has a two-week extended paid leave entitlement.\nThe mother\u2019s wife will also be recognized as a legal parent when \u201cmarriage for all\u201d comes into force in 2022.\nShe will therefore be entitled to paternity leave and paternity pay:    <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">If the child\u2019s mother dies within 14 weeks of the birth, the father (or the mother\u2019s wife) is entitled to 14 weeks\u2019 leave in addition to the two weeks\u2019 paternity leave, which must be taken without interruption immediately after the death.  <\/li>\n\n\n\n<li data-block-type=\"core\">If the father (or the mother\u2019s wife) dies within six months of the birth of the child, the mother is also entitled to two additional weeks\u2019 leave<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-81e525f\" data-block-id=\"81e525f\"><p class=\"stk-block-text__text\">The Federal Council <a href=\"https:\/\/www.smolio.ch\/wp-admin\/post.php?post=6636&action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">approved<\/a> this amendment to the Income Compensation Act with effect from January 1, 2024 at the end of November 2023.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e007151\" id=\"zwei-ahv-initiativen-kommen-im-marz-zur-abstimmung\" data-block-id=\"e007151\"><h2 class=\"stk-block-heading__text\">Two AHV initiatives will be put to the vote in March<\/h2><\/div>\n\n<p data-block-type=\"core\">On October 25, 2023, the Federal Council <a href=\"https:\/\/www.admin.ch\/gov\/de\/start\/dokumentation\/medienmitteilungen.msg-id-98355.html\" target=\"_blank\" rel=\"noopener\">decided<\/a> that we would vote on two AHV issues on March 3, 2024:<\/p>\n\n<ol class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Popular initiative of May 28, 2021 \u201cFor a better life in old age (initiative for a 13th AHV pension)\u201d  <\/li>\n\n\n\n<li data-block-type=\"core\">Popular initiative of July 16, 2021 \u201cFor a secure and sustainable pension scheme (pension initiative)\u201d  <\/li>\n<\/ol>\n\n<p data-block-type=\"core\">The Federal Council and parliament recommend that both popular initiatives be rejected.\nThe Swiss Federation of Trade Unions (SGB) is behind the first initiative \u201cFor a better life in old age\u201d.\nIt is calling for a 13th monthly pension for AHV pensioners, i.e. an increase in AHV benefits.\nAnd the Young Finns want to link the retirement age to average life expectancy with their initiative \u201cFor secure and sustainable old-age provision\u201d.\nThis would initially raise the retirement age for men and women to 66.\nSubsequently, the retirement age would rise by 0.8 months for every month of additional life expectancy.       <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8d339a8\" id=\"die-ahv-21-reform-tritt-per-1-januar-2024-in-kraft\" data-block-id=\"8d339a8\"><h3 class=\"stk-block-heading__text\">The AHV21 reform comes into force on January 1, 2024<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7bc0462\" data-block-id=\"7bc0462\"><p class=\"stk-block-text__text\">From 2024, there will no longer be a \u201cretirement age\u201d in old-age and survivors\u2019 insurance.\nThis term will be replaced by the \u201c<a href=\"https:\/\/www.smolio.ch\/wissen\/ordentliches-rentenalter-schweiz\/\">reference age<\/a>\u201c.\nThis expresses the fact that the aim is to make the retirement age more flexible.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4d4ce5d\" data-block-id=\"4d4ce5d\"><p class=\"stk-block-text__text\">The Federal Council decided on the entry into force of the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/ahv-reform-2021-what-ahv-21-means-for-women-and-men\/\">AHV21 reform<\/a> at its meeting on December 9, 2022.\nFrom 2024, you will be able to organize your transition to retirement more flexibly.\nIn particular, you can bring forward part of your AHV and occupational pension and defer the rest.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a6c4b4d\" data-block-id=\"a6c4b4d\"><p class=\"stk-block-text__text\">In two specialist articles, we have examined what this means for your <a href=\"https:\/\/www.smolio.ch\/wissen\/wann-kann-ich-in-pension-gehen\/\">AHV pension<\/a> and what <a href=\"https:\/\/www.smolio.ch\/wissen\/wann-bekomme-ich-die-pensionskassen-rente\/\">changes<\/a> it will bring <a href=\"https:\/\/www.smolio.ch\/wissen\/wann-bekomme-ich-die-pensionskassen-rente\/\">to the second pillar<\/a>.\nOnly women are affected by the <a href=\"https:\/\/www.arbeit.swiss\/dam\/secoalv\/de\/dokumente\/publikationen\/broschueren\/stellensuchende\/Merkblaetter\/Merkblatt_AHV-Reform_DE.pdf.download.pdf\/Merkblatt_AHV-Reform_DE.pdf\" target=\"_blank\" rel=\"noopener\">changes<\/a> to <a href=\"https:\/\/www.arbeit.swiss\/dam\/secoalv\/de\/dokumente\/publikationen\/broschueren\/stellensuchende\/Merkblaetter\/Merkblatt_AHV-Reform_DE.pdf.download.pdf\/Merkblatt_AHV-Reform_DE.pdf\" target=\"_blank\" rel=\"noopener\">the AHV<\/a> retirement age.\nFor them, the reference age will gradually increase (2025, 2026, 2027, 2028) by three months per year.\nThe first cohort (1960) will not yet see an increase in the retirement age on January 1, 2024; for the 1961 cohort, the retirement age will be 64 years and 3 months from January 1, 2025, etc. Entitlement to the AHV retirement pension begins on the first day of the month following the date on which the reference age is reached.\nThe pension is reduced if it is drawn earlier    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e587fd9\" id=\"wie-entwickeln-sich-die-beitrage-der-selbststandigen-und-nichterwerbstatigen-zur-ahv\" data-block-id=\"e587fd9\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">How are the contributions of self-employed and non-employed persons to the AHV developing?  <\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0f3637a\" data-block-id=\"0f3637a\"><p class=\"stk-block-text__text\">The minimum contribution will remain unchanged at CHF 514 from the start of 2024.\nYou can read more about this in the <a href=\"https:\/\/www.ahv-iv.ch\/de\/Merkbl%C3%A4tter-Formulare\/Merkbl%C3%A4tter\/J%C3%A4hrliche-Neuerungen\" target=\"_blank\" rel=\"noreferrer noopener\">information sheet<\/a> with the changes from January 1, 2024.   <\/p><\/div>\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-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}.stk-86547d4{--stk-columns:1 !important}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !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\/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\u2026<\/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-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 minimum interest rate rises to 1.25 %<\/strong><\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3bce18f\" data-block-id=\"3bce18f\"><p class=\"stk-block-text__text\">The maximum AHV pension in 2024 is the key figure for the 2024 key pension figures.\nOther occupational pension figures are linked to it via fixed formulas and ratios.\nThe expected BVG pensions and <a href=\"https:\/\/www.bsv.admin.ch\/dam\/bsv\/de\/dokumente\/bv\/anleitungen\/wichtige-masszahlen2021-2022-bv.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">BVG key figures<\/a> for 2024 will therefore also change.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a2b5cde\" data-block-id=\"a2b5cde\"><p class=\"stk-block-text__text\">The Federal Council must review the level of the <strong>minimum interest rate <\/strong>at least every two years.<strong> <\/strong>You may already know that the minimum interest rate only applies to <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/compulsory\/\">mandatory<\/a> assets.\nIn the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/extra-mandatory-extra-mandatory-benefits\/\">extra-mandatory scheme<\/a>, your pension fund itself determines how much interest it pays on your <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/retirement-assets\/\">retirement assets<\/a>.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-fb4345b\" data-block-id=\"fb4345b\"><p class=\"stk-block-text__text\">The <strong>minimum interest rate <\/strong>for BVG assets will increase to <strong>1.25 % <\/strong>from January 1, 2024 <strong>. <\/strong>This was <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/publikationen-und-service\/medieninformationen\/nsb-anzeigeseite.msg-id-98420.html\" target=\"_blank\" rel=\"noreferrer noopener\">decided<\/a> by the Federal Council at its meeting on November 1, 2023.\nThe increase is intended to take account of the development of yields on Confederation bonds as well as shares, bonds and real estate in accordance with the legal framework.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bc87930\" data-block-id=\"bc87930\"><p class=\"stk-block-text__text\">But even an annual return of 1.25 % on your pension assets is low.\nThis is because a low interest rate means that your retirement assets will only grow very, very slowly.\nThis is simple <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/the-compound-interest-effect-your-ally-for-retirement-provision\/\">compound interest mathematics<\/a>.\nYour pension will therefore not be high.\nPrivate pension provision is therefore all the more important the more you are dependent on a pension from the BVG mandatory scheme.     You can see the dramatic effect of low interest rates on your pension in another <a href=\"https:\/\/www.smolio.ch\/de\/wissen\/detail\/durchschnittliche-pensionskassenrente-alles-im-gruenen-bereich\">article<\/a> .<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5be75e8\" id=\"mehr-rente-fur-hinterlassene-und-invalide-ab-1-januar-2024\" data-block-id=\"5be75e8\"><h3 class=\"stk-block-heading__text\">More pension for survivors and disabled persons from January 1, 2024<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0ff9de6\" data-block-id=\"0ff9de6\"><p class=\"stk-block-text__text\">Survivors\u2019 pensions and disability pensions from occupational pension plans must be regularly adjusted for inflation as long as you have not yet reached the normal retirement age.\nA corresponding BVG pension is adjusted for the first time after three years, after which an inflation adjustment is usually made every two years and linked to the AHV pension adjustments.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5e260bd\" data-block-id=\"5e260bd\"><p class=\"stk-block-text__text\">As a result, the survivors\u2019 and disability pensions that have been in place since 2020 will be adjusted in line with price trends for the first time on January 1, 2024.\nThese <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/publikationen-und-service\/medieninformationen\/nsb-anzeigeseite.msg-id-98276.html\" target=\"_blank\" rel=\"noopener\">pensions will increase<\/a> by 6.0 %.\nPensions accrued before 2020 will have to wait for the next AHV pension adjustment, which will take place on January 1, 2025 at the earliest.\nYour pension fund is not obliged to adjust pensions from the extra-mandatory scheme for inflation.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4aef163\" id=\"bvg-21-reform-verabschiedet-es-kommt-das-referendum\" data-block-id=\"4aef163\"><h3 class=\"stk-block-heading__text\">BVG21 reform passed \u2013 the referendum is coming<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b5f099b\" data-block-id=\"b5f099b\"><p class=\"stk-block-text__text\">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.\nIn principle, the Federal Council has to put amendments to the vote within 10 months of the final vote in parliament.\nAs elections will be held in 2024, the deadline has been extended to 16 months.\nThe date of the vote on the BVG reform is therefore still unclear.\nApparently, the Federal Council did not want to put the AHV initiatives and the BVG reform to the vote at the same time.       <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-19dd6e6\" data-block-id=\"19dd6e6\"><p class=\"stk-block-text__text\">We have highlighted the consequences of the reform in a separate <a href=\"https:\/\/www.smolio.ch\/wissen\/bvg21-reform\/\">technical article.<\/a> <\/p><\/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<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a3afcf1\" data-block-id=\"a3afcf1\"><p class=\"stk-block-text__text\">Only the \u201cinsured salary\u201d is compulsorily insured under the occupational benefit scheme.\nThis is also known as the coordinated salary.\nYou pay contributions on this, which have a pension-forming effect.\nThe upper limit, i.e. the maximum BVG annual salary and the 2024 <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/coordination-deduction\/\">coordination deduction <\/a>, determine how high the insured salary is.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ae8faa2\" data-block-id=\"ae8faa2\"><p class=\"stk-block-text__text\">The upper limit will remain unchanged at CHF 88,200 as of January 1, 2024.\nThe 2024 coordination deduction is CHF 25,725.  In order to determine the amount of the insured salary, the pension fund deducts the coordination deduction from your annual gross salary. If your annual salary is between CHF 22,050 (BVG entry threshold 2023) and CHF 29,400 (maximum AHV individual pension), the pension fund will insure you with the BVG minimum salary of CHF 3,675.  <\/p><\/div>\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>88,200 francs<\/td><td>  .\/.\n25\u2019725 Franken <\/td><td>  = 62\u2019475 francs<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Transition to the maximum insured salary under the BVG  <\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-347c11a\" data-block-id=\"347c11a\"><p class=\"stk-block-text__text\"><\/p><\/div>\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 2024: <strong>From what salary do I have to pay contributions to the occupational benefit scheme? <\/strong>  <\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e6c7c6e\" data-block-id=\"e6c7c6e\"><p class=\"stk-block-text__text\">This is regulated by the <strong>BVG entry threshold<\/strong> <strong>2024, <\/strong>also known as the minimum annual salary.\nThis will remain unchanged at CHF 22,050 per year as of 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\u2019s 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 2024.\nLet\u2019s hope that your salary in 2024 will grow at least in line with inflation and that you will exceed the entry threshold!     <\/p><\/div>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><tbody><tr><td>Coordination deduction 2024<\/td><td>BVG entry threshold 2024<\/td><td>insured BVG minimum wage 2024<\/td><\/tr><tr><td>25,725 francs<\/td><td>  .\/.\n22\u2019050 Franken <\/td><td>  = 3\u2019675 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-text stk-block-text stk-block stk-533bea4\" data-block-id=\"533bea4\"><p class=\"stk-block-text__text\"><\/p><\/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<div class=\"wp-block-stackable-text stk-block-text stk-block stk-dba23a9\" data-block-id=\"dba23a9\"><p class=\"stk-block-text__text\">You must pay AHV contributions on your entire income.\nIn the AHV, the amount of your salary and number of years determine how high your pension will be.\nThe situation is different with mandatory occupational benefits insurance.\nHere, only a small part of your income forms your future pension: your salary up to the upper limit minus the coordination deduction.\nYou can imagine it like this: for the first CHF 25,725 or so of your salary (= coordination deduction 2024), 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><\/div>\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-bleibt-strong-der-maximalbetrag-202-strong-4-strong-strong-unverandert-bei-strong-7056-franken-strong\" data-block-id=\"13c6ec1\"><h2 class=\"stk-block-heading__text\"><strong>The maximum amount<\/strong><strong>for pillar 3a <\/strong>will remain unchanged at <strong>CHF 7,056<\/strong> in <strong>2024<\/strong><strong> <\/strong><\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b95343d\" data-block-id=\"b95343d\"><p class=\"stk-block-text__text\">Other key pension figures for 2024 are derived from the AHV pension 2024.\nFor example, the small and large maximum Pillar 3a amounts.\nThis time there will be no increase in the Pillar 3a deduction.\nThis is because it is linked to the maximum AHV individual pension via a factor.\nAnd as we have seen, this has not increased.\nThat\u2019s why you won\u2019t be able to deduct any more in pillar 3a from 2024 than in 2023.\nThe Pillar 3a maximum amount for self-employed persons will also remain unchanged in 2024.\nHowever, they must earn at least CHF 176,400 to be able to draw the maximum of 20% or CHF 35,280.\nI wish it for you!          <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">The <strong>small maximum Pillar 3a 2024 amount<\/strong> for employees with a pension fund is <strong>CHF 7,056<\/strong><\/li>\n\n\n\n<li data-block-type=\"core\">the <strong>large maximum Pillar 3a 2024 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 35,280<\/strong><\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7e8cd51\" data-block-id=\"7e8cd51\"><p class=\"stk-block-text__text\">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 if you are self-employed or working part-time.\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><\/div>\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 \u2013 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<div class=\"wp-block-stackable-text stk-block-text stk-block stk-982a987\" data-block-id=\"982a987\"><p class=\"stk-block-text__text\">Here\u2019s 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><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d76132c\" id=\"strong-zusammenfassung-vorsorgekennzahlen-202-strong-4\" data-block-id=\"d76132c\"><h2 class=\"stk-block-heading__text\"><strong>Summary of key pension figures 2024<\/strong><\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-838c74b\" data-block-id=\"838c74b\"><p class=\"stk-block-text__text\">The key figures will not change much in 2024 because the maximum AHV pension will not change in 2024.\nIn the 2nd pillar, the minimum interest rate will rise slightly to 1.25 %.\nAnd in pillar 3a, the maximum tax deduction remains unchanged at CHF 7,056 for employees.   In view of these unattractive prospects, you should definitely take care of your private provision.<\/p><\/div>\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","protected":false},"excerpt":{"rendered":"<p>The pension key figures 2024 for the maximum AHV pension 2024, occupational pension provision and pillar 3a determine how high your pensions will be.<br \/>\nThe AHV reform will take effect on January 1, 2024, but there will be few changes to the 2024 key pension figures.<br \/>\nFind out what is changing and how much you can deduct from pillar 3a in 2024.  <\/p>\n","protected":false},"author":8,"featured_media":5811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2177,2176],"tags":[2350,2580,2178,2368,2179,2262,2410,2180],"class_list":{"0":"post-8814","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":[],"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>The pension key figures 2024 for the maximum AHV pension 2024, occupational pension provision and pillar 3a determine how high your pensions will be.<br \/>\nThe AHV reform will take effect on January 1, 2024, but there will be few changes to the 2024 key pension figures.<br \/>\nFind out what is changing and how much you can deduct from pillar 3a in 2024.  <\/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\/8814","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=8814"}],"version-history":[{"count":1,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8814\/revisions"}],"predecessor-version":[{"id":8816,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8814\/revisions\/8816"}],"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=8814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}