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Ratgeber Private Vorsorge: 3 Säulen Prinzip

The Swiss three pillar system

The Swiss pension system is based on the three-pillar pension model. The benefits of OASI/DI and the private pension plan complement one another to ensure that you can enjoy your life after retirement without a care.
Graphic: Three pillar system


1st pillar State pension

The mandatory 1st pillar is covered by the Old Age and Survivors Insurance and the Disability Insurance, or OASI and DI. The benefits are paid as pensions, covering the basic subsistence needs.

2nd pillar Occupational benefits scheme

The mandatory 2nd pillar is formed by the pension fund. The basis for this is the Federal Act on Occupational Old Age, Survivors’ and Disability Pension Provision and Compulsory Accident Insurance, OASI/II and CAI, (BVG and UVG). The contributions from the pension fund are intended to maintain the standard of living.

3rd pillar Private Pension Plans

In the case of voluntary private pension plans, a distinction is made between the restricted pillar 3a and the unrestricted pillar 3b. They fill any existing pension gaps and cover additional, individual requirements.

More about private pension provision

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