{"id":8839,"date":"2022-10-05T12:38:05","date_gmt":"2022-10-05T10:38:05","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/when-can-i-retire-in-switzerland\/"},"modified":"2025-01-05T11:57:10","modified_gmt":"2025-01-05T10:57:10","slug":"when-can-i-retire-in-switzerland","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/when-can-i-retire-in-switzerland\/","title":{"rendered":"When can I retire in Switzerland?"},"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\"> 8<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">When can I retire?\nThe answer to this question has recently changed significantly in Switzerland.\nThis is because the Swiss population&#8217;s acceptance of the AHV21 reform has brought major changes.\nNot only women are affected by the change in the start of retirement.\nIt also affects everyone who wants to take early retirement or continue working beyond the age of 65.\nWe have analyzed the changes.\nWhat opportunities does the change bring?      <\/p>\n\n<!--more-->\n\n<p data-block-type=\"core\">In this article, we first look at when you can retire as a man or woman under current law.\nWe will also show you which rules apply to early retirement in the AHV and pension fund.\nAnd what it means if you take your pension later than the age of 64 or 65.\nWe then look at the opportunities that the AHV21 reform offers you.\nAnd there are quite a few.      <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ddb7421\" id=\"wann-kann-ich-in-pension-gehen-bis-ende-2023-gilt-rentenalter-65-fur-manner-und-64-fur-frauen\" data-block-id=\"ddb7421\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">When can I retire?\nRetirement age is 65 for men and 64 for women until the end of 2023 <\/h2><\/div>\n\n<p data-block-type=\"core\">Until now, the retirement age in Switzerland has been different for men and women.\nThe &#8220;<a href=\"https:\/\/www.ahv-iv.ch\/de\/Kontakte\/Kantonale-Ausgleichskassen\" target=\"_blank\" rel=\"noopener\">normal retirement age<\/a>&#8221; is 65 for men and 64 for women.\nYour entitlement to an old-age pension from the AHV and &#8211; if available &#8211; the occupational pension scheme begins at ordinary retirement age.    <\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-56b2527 stk-block-background\" data-block-id=\"56b2527\"><style>.stk-56b2527 {background-color:#02b875 !important;}.stk-56b2527:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-56b2527-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-0eaa06d\" data-v=\"4\" data-block-id=\"0eaa06d\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-0eaa06d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-0eaa06d-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-die-altersrente-kommt-nicht-von-allein-rechtzeitig-anmelden\">Our tip: The old-age pension doesn&#8217;t come by itself &#8211; register in good time<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" 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\">You must register your pension entitlement in writing with both the AHV and your pension fund.\nYou must inform your AHV compensation fund and your pension fund <a href=\"\" target=\"\" rel=\"\">that<\/a> you wish to draw your pension.\nYou should register your pension entitlement at least 3 months in advance.    <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">Do you have a private pension in pillar 3a and want to withdraw it?\nThen you also need to let your provider know that you want to withdraw your money. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-fbc260d\" id=\"vorzeitige-pensionierung-oder-rentenaufschub-sind-bis-ende-2023-relativ-unflexibel\" data-block-id=\"fbc260d\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Early retirement or pension deferrals are relatively inflexible until the end of 2023<\/h3><\/div>\n\n<p data-block-type=\"core\">You can also take early retirement or defer your pension and continue working.\nWith the AHV, you can retire either 1 or 2 whole years before the normal retirement age: So men at 64 or 63, women at 63 or 62.\nSuch an early withdrawal reduces your pension by 6.8 percent for each year of early withdrawal &#8211; for the rest of your life.\nHere too, you should do this 3-4 months before the desired retirement age.\nBecause if you are too late, you will only receive your pension from the following birthday.    <\/p>\n\n<p data-block-type=\"core\">The <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/snb\/\">BVG<\/a> does not actually provide for early retirement. However, many pension funds now allow early retirement from the age of 58 for both men and women.   <br\/><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-fruhpensionierung-mit-pensionskasse-klaren\">Our tip: Clarify early retirement with the pension fund<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" 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\">If early retirement is an option for you, it is best to contact your pension fund 12 months before your 58th birthday.\nThey can tell you whether early retirement is possible and under what conditions.\nPlease note that you will still have to pay AHV contributions until the date of your AHV pension, even if you are no longer gainfully employed.  <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">Incidentally, you can withdraw pillar 3a up to 5 years before the normal retirement age.\nThis means at the age of 60 for men and from the age of 59 for women.\nPlease note that you can only withdraw each account\/balance in full (not in partial amounts).\nIf you would like to make an early withdrawal from your pillar 3a account, it is best to contact your provider a few months in advance.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-31182ce\" id=\"ein-aufschub-der-ahv-rente-ist-bisher-nicht-attraktiv\" data-block-id=\"31182ce\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Postponing the AHV pension is not yet attractive<\/h3><\/div>\n\n<p data-block-type=\"core\">Can I retire and continue working?\nPerhaps you enjoy your job, would like to stagger your pension benefits or simply need the income from work?\nIn Switzerland, it is possible to work beyond the normal retirement age.\nYou can then defer your AHV pension by 1 to 5 years.\nIn other words: as a man, you can take it until you reach the age of\n70 years of age and as a woman up to the age of 69.\nIn return, you will receive a pension supplement, the amount of which (+5.2 % to 31.5 %) depends on the length of the deferral.\nHowever, you must defer your AHV pension for at least one year, less is not possible.\nYou can then have the AHV pension paid out in any month.\nToday, however, you still have to pay AHV contributions on income that exceeds the so-called &#8220;<a href=\"\">AHV pensioner&#8217;s allowance<\/a>&#8220;.\nEven though they do not increase your pension.\nHello?           <\/p>\n\n<p data-block-type=\"core\">But the AHV21 reform will change a few things in the future.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9f33021\" id=\"wann-kann-ich-in-pension-gehen-ab-1-januar-2024-gehen-manner-und-frauen-einheitlich-mit-65-in-pension\" data-block-id=\"9f33021\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">When can I retire?\nFrom January 1, 2024, men and women will retire at the same age of 65 <\/h2><\/div>\n\n<p data-block-type=\"core\">On September 25, 2022, the Swiss population approved the AHV21 reform, which is now expected to come into force on January 1, 2024.\nThe AHV reform will make retirement much more flexible.\nWhen can I retire in Switzerland?\n&#8211; You will be able to decide this much more freely in future.   <\/p>\n\n<p data-block-type=\"core\">Nevertheless, there needs to be a reference point for when you can draw your full pension (without a reduction for early withdrawal or a supplement for deferral): the so-called &#8220;reference age&#8221;.\nFrom 2028, this will be the same for men and women at the age of 65.\nNothing will change for men until then, as the normal retirement age for them is already 65 today.\nFor women, the reference age will gradually increase to 65. Incidentally, this applies not only to the AHV, but also to your pension fund.   <\/p>\n\n<p data-block-type=\"core\">The harmonized reference age replaces the previous retirement age of 65\/64.\nAs soon as you reach the reference age, you are entitled to a full pension.\nThe old-age pension will continue to be paid from the month following your birthday when you reach the reference age.\nLet&#8217;s take a look at some examples.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6758f67\" id=\"fur-die-frauen-jahrgange-ab-1961-verschiebt-sich-der-rentenbeginn\" data-block-id=\"6758f67\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">For women born in 1961 or later, the start of retirement is postponed<\/h3><\/div>\n\n<p data-block-type=\"core\">Karin was born in December 1960.\nShe will turn 64 in December 2024 and will therefore be entitled to an old-age pension from January 1, 2025.\nNothing will change for her and her 1960 cohort compared to today.  <\/p>\n\n<p data-block-type=\"core\">The situation is different for Elisabeth.\nShe was born in June 1961 and will turn 64 in June 2025.\nAs a transitional generation, Elisabeth is affected by the increase in the reference age.\nHer entitlement to an old-age pension does not begin on July 1, but only 3 months later: on October 1, 2025.   <\/p>\n\n<p data-block-type=\"core\">Anna&#8217;s birthday is in March 1963.\nShe will therefore celebrate her 64th birthday in March 2027.\nAs a transitional generation, Anna is also affected by the increase in the retirement age.\nHer entitlement to an old-age pension does not arise on April 1, but only 9 months later due to her year of birth in 1963: on January 1, 2028.   <\/p>\n\n<div class=\"embed-container\"><iframe title=\"Schrittweise steigt das Rentenalter f\u00fcr Frauen auf 65 an\" aria-label=\"Tabelle\" id=\"datawrapper-chart-zaIz8\" src=\"https:\/\/datawrapper.dwcdn.net\/zaIz8\/9\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"333\" 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<p data-block-type=\"core\">So far so clear?\nI think that with these three examples and the table, you as a woman understand the answer to the question \"when can I retire?\". <\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-0d6967f stk-block-background\" data-block-id=\"0d6967f\"><style>.stk-0d6967f {background-color:#02b875 !important;}.stk-0d6967f:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-0d6967f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3827b5b\" data-v=\"4\" data-block-id=\"3827b5b\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3827b5b-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3827b5b-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-rentenalter-berechnen-so-geht-s\">Our tip: Calculate your retirement age - here's how!<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" 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\">Are you born 64 or younger?\nThen you can easily calculate your retirement age as a woman: Year of birth plus 65 equals the year in which you are entitled to a full pension.\nFor men, this works in the same way for all age groups.  <\/p>\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-bf64f5d\" id=\"der-start-in-die-pension-wird-flexibler-neu-sind-vorbezuge-monatsweise-moglich\" data-block-id=\"bf64f5d\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">A more flexible start to retirement - monthly early withdrawals are now possible<\/h3><\/div>\n\n<p data-block-type=\"core\">The AHV21 reform will make retirement much more variable.\nYou can now draw your AHV pension flexibly from the age of 63 to 70.\nIt is now also possible to withdraw your pension early and defer it for any month.\nAnd you can now also draw only a partial pension of at least 20 to 80 percent and defer the rest of your AHV pension.\nThis is intended to facilitate a gradual transition to retirement from 2027 at the earliest.\nUntil then, the current rates will continue to apply (in 2022: 6.8% for one year of early withdrawal and 13.6% for two years of early withdrawal).\nThese new options allow you, for example, to work less and make up the shortfall in income by drawing part of your AHV pension.      <\/p>\n\n<p data-block-type=\"core\">If you retire before the reference age, a discount will be applied to your AHV pension, and if you retire after the reference age, a supplement will be applied.\nThe Federal Council will determine the exact rates that will apply shortly before their introduction.\nIt is already clear that the reductions for early withdrawals and supplements for deferrals will be adjusted to the average life expectancy and reduced accordingly.\nFurthermore, the reductions for lower average annual incomes (those below CHF 57,360) will be lower.\nThe <a href=\"\" target=\"\" rel=\"\">draft AHV ordinance<\/a> provides for the following supplements for pension deferrals:    <\/p>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Deferral period<br\/>in years<\/th><th class=\"has-text-align-center\" data-align=\"center\">and 0-2 months<\/th><th class=\"has-text-align-center\" data-align=\"center\">and 3-5 months<\/th><th class=\"has-text-align-center\" data-align=\"center\">and 6-8 months<\/th><th class=\"has-text-align-center\" data-align=\"center\">and 9-11 months<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.2<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.6<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.0<\/td><td class=\"has-text-align-center\" data-align=\"center\">9.4<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.8<\/td><td class=\"has-text-align-center\" data-align=\"center\">12.3.<\/td><td class=\"has-text-align-center\" data-align=\"center\">13.9<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.5<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">17.1<\/td><td class=\"has-text-align-center\" data-align=\"center\">18.8<\/td><td class=\"has-text-align-center\" data-align=\"center\">20.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">22.2<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">24.0<\/td><td class=\"has-text-align-center\" data-align=\"center\">25.8<\/td><td class=\"has-text-align-center\" data-align=\"center\">27.7<\/td><td class=\"has-text-align-center\" data-align=\"center\">29.6<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">31.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">-<\/td><td class=\"has-text-align-center\" data-align=\"center\">-<\/td><td class=\"has-text-align-center\" data-align=\"center\">-<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Increase rates as a percentage of the retirement pension, source: draft AHV ordinance December 2022<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a4599b5\" id=\"bestimmte-frauenjahrgange-bekommen-fur-hoheres-referenzalter-einen-ausgleich\" data-block-id=\"a4599b5\"><h3 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Certain female cohorts receive compensation for higher reference age  <\/h3><\/div>\n\n<p data-block-type=\"core\">Two compensatory measures apply to women of the transition generation (born between 1961 and 1969).\nThey can either draw their pension early from 62.\nFor them, the pension reduction for early withdrawal is then lower; this is intended to compensate for the increased reference age.\nThey can therefore take early retirement with less pension loss.\nAs a further compensatory measure, the pensions of these women with low incomes will be reduced less than those of women with higher incomes.    <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><thead><tr><th><strong>Early withdrawal at the age of<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\">Reduction for average annual income<br\/>\u2264 CHF 57,360<\/th><th class=\"has-text-align-center\" data-align=\"center\">Reduction \u00d8 annual income<br\/>CHF 57,361 to CHF 71,700<\/th><th class=\"has-text-align-center\" data-align=\"center\">Reduction \u00d8 annual income<br\/>\u2265 CHF 71,701<\/th><\/tr><\/thead><tbody><tr><td>64 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.5%<\/td><\/tr><tr><td>63 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.5%<\/td><\/tr><tr><td>62 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">3%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.5%<\/td><\/tr><tr><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Reduction rates for women of the transition generation 1961-1969, source: Federal Social Insurance Office<\/figcaption><\/figure>\n\n<p data-block-type=\"core\">If these women decide to take a regular pension instead, they receive a lifelong pension supplement.\nThis is not subject to the cap on the retirement pension of married women and is paid out in excess of the maximum pension.\nYou can enquire about the supplement at the Federal Social Insurance Office in the \"<a href=\"\" target=\"\" rel=\"\">Individual inquiries<\/a>\" section.  <\/p>\n\n<p data-block-type=\"core\">This pension supplement is also higher for women with lower incomes.\nIt is calculated as a percentage of an income-dependent basic supplement:   <\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">160 francs \/ month for low average annual incomes (\u2264 CHF 57 360),  <\/li>\n\n\n\n<li data-block-type=\"core\">100 francs for average annual incomes (CHF 57,361 - CHF 71,700) and<\/li>\n\n\n\n<li data-block-type=\"core\">50 francs for high average annual incomes (\u2265 CHF 71,701).  <\/li>\n<\/ul>\n\n<p data-block-type=\"core\">The bonuses are not adjusted in line with wage and price trends.\nLet's look at this using an example.\nAnna was born in 1963 and falls into the \"low average annual income\" category.\nShe therefore receives a monthly supplement of CHF 160 * 0.75% (born in 1963) = CHF 120.\non her AHV pension.    <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\" data-block-type=\"core\"><table><thead><tr><th><strong>Vintage<\/strong><\/th><th><strong>AHV pension supplement per month in % of the basic supplement<\/strong><\/th><\/tr><\/thead><tbody><tr><td>1960<\/td><td>No surcharge<\/td><\/tr><tr><td>1961<\/td><td>25%<\/td><\/tr><tr><td>1962<\/td><td>50%<\/td><\/tr><tr><td>1963<\/td><td>75%<\/td><\/tr><tr><td>1964<\/td><td>100%<\/td><\/tr><tr><td>1965<\/td><td>100%<\/td><\/tr><tr><td>1966<\/td><td>81%<\/td><\/tr><tr><td>1967<\/td><td>63%<\/td><\/tr><tr><td>1968<\/td><td>44%<\/td><\/tr><tr><td>1969<\/td><td>25%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Monthly OASI pension supplements on the basic supplement for the female cohorts of the transition generation, source: Federal Social Insurance Office<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0b80e87\" id=\"den-start-der-rente-aufschieben-wird-attraktiver\" data-block-id=\"0b80e87\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Postponing the start of retirement is becoming more attractive<\/h2><\/div>\n\n<p data-block-type=\"core\">Until now, if you work at retirement age, your AHV contributions do not increase your pension.\nThis will now be remedied with the AHV21 reform.\nThis is because you now have the right to choose whether or not the AHV pensioner's allowance should be applied to income at retirement age.\nYou can therefore decide to pay AHV contributions on your entire salary or only on the part above the <a href=\"\">AHV pensioner's allowance<\/a>.   <\/p>\n\n<p data-block-type=\"core\">In addition, AHV contributions paid will now also be taken into account for your pension calculation after the age of 65.\nThis allows you to compensate for missing years and increase your contribution period as well as increase your average annual income.\nThis allows you to increase your pension up to the maximum pension.\nThis adjustment makes it financially more attractive to work beyond the reference age.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5bd9e5b\" id=\"zusammenfassung-wann-kann-ich-in-pension-gehen-in-der-schweiz\" data-block-id=\"5bd9e5b\"><style>.stk-5bd9e5b {margin-bottom:25px !important;}<\/style><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Summary \"When can I retire in Switzerland?\"<\/h2><\/div>\n\n<p data-block-type=\"core\">By the end of 2023, men will receive the AHV retirement pension from the age of 65, women from the age of 64.\nThe AHV21 was adopted in September 2022.\nIt raises the retirement age for the first time in 25 years and thus takes account of demographic trends.\nAccordingly, from January 1, 2024, there will be a uniform reference age of 65 for men and women for the full retirement pension.\nIf you retire earlier, there will be deductions, if you work longer there will be supplements.\nDeductions and supplements are also adjusted in line with longer life expectancy.\nTo compensate for the higher reference age, women of the transition generation (born between 1961 and 1969) receive either lower reductions in the event of early retirement or pension supplements if they take regular retirement.\nThey benefit from both advantages for the rest of their lives.\nand finally, in future you will be able to choose your retirement start date flexibly and thus organize the last phase of your working life flexibly.\nYou can work for longer or shorter than 65 and make the transition to retirement immediate or gradual.         <\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-d3ac591 ugb-container--v2 ugb-container--design-basic ugb-main-block\"><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-deinen-bedarf-und-einkommen-berechnen\">Calculate your needs and income<\/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\">With Smolio's free pension calculator, you can see in a minute how your assets and income will develop during your retirement.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><style>.stk-38be4a0 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Start pension calculator<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When can I retire? The answer to this question has recently changed significantly in Switzerland. This is because the Swiss population&#8217;s acceptance of the AHV21 reform has brought major changes. Not only women are affected by the change in the start of retirement. It also affects everyone who wants to&#8230;<\/p>\n","protected":false},"author":8,"featured_media":5586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2176,2209,2177],"tags":[2461,2349,2570,2589,2205,2351,2563],"class_list":{"0":"post-8839","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-retirement-and-pension-planning","8":"category-financial-independence","9":"category-understanding-the-swiss-pension-system","10":"tag-advance-withdrawal","11":"tag-early-retirement","12":"tag-pension","13":"tag-postponement","14":"tag-retirement","15":"tag-retirement-age","16":"tag-retirement-date"},"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\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed.webp",1200,740,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-315x194.webp",315,194,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-800x493.webp",800,493,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-768x474.webp",768,474,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed.webp",1140,703,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed.webp",1200,740,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed.webp",1200,740,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-360x222.webp",360,222,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-400x247.webp",400,247,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/10\/05112346\/Smolio-Blog_Wann-kann-ich-in-Rente-gehen_1200x800_squooshed-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>Lesedauer 8 Minuten When can I retire? The answer to this question has recently changed significantly in Switzerland. This is because the Swiss population&#8217;s acceptance of the AHV21 reform has brought major changes. Not only women are affected by the change in the start of retirement. It also affects everyone who wants to take early retirement or continue working beyond the age of 65. We have analyzed the changes. What opportunities does the change bring? In this article, we first look at when you can retire as a man or woman under current law. We will also show you which&hellip;<\/p>\n","category_list_v2":"<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>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-independence\/\" rel=\"category tag\">Financial independence<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/\" rel=\"category tag\">Understanding the Swiss pension system<\/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\/8839","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=8839"}],"version-history":[{"count":4,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8839\/revisions"}],"predecessor-version":[{"id":9829,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8839\/revisions\/9829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/5586"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}