{"id":8844,"date":"2022-10-03T20:36:02","date_gmt":"2022-10-03T18:36:02","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/reference-age\/"},"modified":"2024-09-17T08:37:04","modified_gmt":"2024-09-17T06:37:04","slug":"reference-age","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/reference-age\/","title":{"rendered":"Reference age"},"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\"> < 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>\n<p data-block-type=\"core\">When can I retire and receive a full pension?\nThis is determined by the reference age.\nThis term replaces the previous \u201c<a href=\"https:\/\/www.smolio.ch\/en\/wissen\/normal-retirement-age\/\">ordinary retirement age<\/a>\u201d of 65 for men and 64 for women.\nThis is because the Swiss population approved the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/ahv-reform-2021-what-ahv-21-means-for-women-and-men\/\">AHV21 reform<\/a> on September 25, 2022.\nIt came into force on January 1, 2024.    <\/p>\n\n<p data-block-type=\"core\">The AHV21 reform makes the start of retirement flexible.\nNevertheless, there needs to be a reference point for when you can draw your full pension (without a reduction for early withdrawal or supplement for deferral).\nThis point in time is now called the \u201c<strong>reference age<\/strong>\u201c.\nFrom 2028, it will be the same for men and women at the age of 65.\nNothing will change for men until then.\nAfter all, the normal retirement age for them is already 65.\nOnly for women will the start of retirement gradually increase to 65.\nIncidentally, this applies not only to AHV, but also to occupational pensions.       <\/p>\n\n<p data-block-type=\"core\">With the AHV21 reform, women and men now have the same retirement age.\nAs soon as they reach the reference age, they are entitled to a full pension.\nAs before, the pension will be paid out for the first time in the month following your birthday when you reach the reference age.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>When can I retire and receive a full pension? This is determined by the reference age. This term replaces the previous \u201cordinary retirement age\u201d of 65 for men and 64 for women. This is because the Swiss population approved the AHV21 reform on September 25, 2022. It came into force&#8230;<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2409],"tags":[2352,2351,2563],"class_list":{"0":"post-8844","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-financial-lexicon","7":"tag-reference-age","8":"tag-retirement-age","9":"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":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","davenport-blog-thumb":"","davenport-blog-thumb-grid":"","davenport-blog-thumb-widget":"","davenport-blog-thumb-masonry":"","woocommerce_thumbnail":"","woocommerce_single":"","woocommerce_gallery_thumbnail":""},"post_excerpt_stackable_v2":"<p>Lesedauer < 1 Minute When can I retire and receive a full pension? This is determined by the reference age. This term replaces the previous \u201cordinary retirement age\u201d of 65 for men and 64 for women. This is because the Swiss population approved the AHV21 reform on September 25, 2022. It came into force on January 1, 2024. The AHV21 reform makes the start of retirement flexible. Nevertheless, there needs to be a reference point for when you can draw your full pension (without a reduction for early withdrawal or supplement for deferral). This point in time is now called&hellip;\n<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-lexicon\/\" rel=\"category tag\">Financial lexicon<\/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\/8844","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=8844"}],"version-history":[{"count":1,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8844\/revisions"}],"predecessor-version":[{"id":8845,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8844\/revisions\/8845"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}