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.
As a reliable partner in all aspects of occupational pensions, we also support your pension fund – with many years of experience, a great deal of competence and recognised professionalism. We cover all aspects of occupational pensions, supporting you with specialist advice and a comprehensive range of products and services. We are your contact partner for your retirement benefit plan with combined expertise from our product specialists.
Pension funds are caught between profitability, security and liquidity. The financial equilibrium here should never be ignored. We provide comprehensive analyses of all asset classes and the liabilities side of the balance sheet. A high-quality planning and leadership tool is available for trustees.
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.