The Swiss social system, BVG, consists of 3 pillars. The 2nd pillar comprises all occupational pensions. Occupational pensions (BVG) provide insurance for all employees subject to AHV who have attained the age of 17 and earn an AHV annual salary of at least CHF 21,150 (2019).
All workers employed in Switzerland are subject to the Swiss Accident Insurance Act (Unfallversicherungsgesetz, UVG). Self-employed persons may join the occupational pension fund voluntarily.
As the 2nd pillar, occupational pensions are tasked with financially enabling insured persons to appropriately maintain their current standard of living in the event of illness, accident and old age. As framework legislation, the Swiss Federal Laws on Occupational Retirement, Survivors' and Disability Pension Plans (BVG) and Accident Insurance (UVG) set out the minimum benefits. The individual institutions are responsible for designing and implementing the 2nd pillar. This explains the large variety of occupational pensions on offer in Switzerland. The insured benefits can best be seen from the annual pension fund statement.
Outsource your pension fund management and entrust your staff pensions to the specialists of Swisscanto Pensions Ltd. Swisscanto Pensions Ltd. is one of the leading providers of occupational pensions in Switzerland. We provide guidance to autonomous and semi-autonomous pension funds and pension institutions – regardless of their size. We will be pleased to provide you with a proposal and advise and support you comprehensively.
Perhaps joining one of our Collective Foundations, such as Swisscanto Flex or Swisscanto 1e, is the right choice for you. We offer SMEs of varying sizes high-performance collective or individual pension solutions. Our pension plans are flexibly aligned to the requirements of your company in the field of mandatory and supplementary pensions.
You can find comprehensive information on occupational pensions in Switzerland in the highly-regarded "Swiss Pension Funds Study" published every year by Swisscanto Pensions Ltd. This survey provides experts, politicians and an interested public with detailed data about the structure, benefits and investments of Swiss pension funds.