Occupational benefits / BVG

1e solutions (for salaries of CHF 132'300.- or higher) allow enormous flexibility for the investment strategy - depending on the solution, you can invest in real estate, foreign currencies, mortgage investments and shares.

Insured wages

The part of the annual salary of CHF 25'725.- up to and including CHF 88'200.- is to be insured. This part is called the coordinated wage. Special solutions (management insurance) can be useful if the annual salary is higher and you don't want to leave any gaps in the savings and insurance coverage. 1e solutions (for salaries of CHF 132'300 or higher) allow enormous flexibility for 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 reaching retirement age, the pension is calculated taking into account the conversion rate. The minimum conversion rate is currently 6.8 percent for the normal retirement age. Since 2011, the Federal Council has been submitting a report on the conversion rate for the next few years at least every ten years.