Occupational pension scheme / BVG

The occupational pension scheme (2nd pillar) aims to ensure that the usual standard of living is maintained in the event of retirement, death or disability. This is to be made possible together with the survivors' and disability insurance (AHV/IV) and the voluntary pension scheme (3rd pillar).


The BVG is compulsory for all employees who are over 17 years of age and earn more than CHF 22'680.-

Insured wage

The part of the annual salary from CHF 26'460.- up to and including CHF 90'720.- must be insured. This part is called the coordinated salary. Special solutions (management insurance) can be useful if the annual salary is higher and you do not want to have any gaps in the savings portion and insurance cover. 1e solutions (from CHF 136'080.-) allow for enormous flexibility in the investment strategy - depending on the solution, you can invest in real estate, foreign currencies, mortgage investments and shares.

Amount of old-age pension

When you reach retirement age, your pension is calculated taking the conversion rate into account. The minimum conversion rate is currently 6.8 percent for the normal retirement age. Since 2011, the Federal Council has submitted a report at least every ten years on the conversion rate for the coming years.

Retirement credits

The retirement credits are calculated as a percentage of the coordinated salary. These credits depend on the age of the employee:
  • 25 to 34 years: 7 percent
  • 35 to 44 years: 10 percent
  • 45 to 54 years: 15 percent
  • 55 to 64/65 years: 18 percent