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The pensions system in Switzerland is based on the 3-pillar model. The pension fund forms the 2nd pillar of pensions provision and is mandatory. All those in gainful employment with an annual income of CHF 21,330 or more are generally insured through their employer.
From the age of 25, in addition to death and disability, a retirement pension is also covered. The aim of the 2nd pillar is to maintain the usual standard of living for the insured and his/her relatives.
More information can be found at www.bsv.admin.ch
After you retire you have three options for drawing benefits from the pension fund: As a monthly pension, as a one-off capital withdrawal or as a mixture of the two. The decision may differ, depending on your aims and wishes.
| Pension |
Capital |
|---|---|
| A safe, trusted solution | One-off reduced tax rate, separate from other income |
| Guaranteed pension for life | Assets can be disposed of flexibly, return in accordance with investment strategy |
| Conversion rate for the statutory portion 6.8% (further reductions are to be expected) |
100% asset protection for descendants |
| Pension guarantee possible |
| Pension |
Capital |
|---|---|
| Pension 100% taxable as income |
Own responsibility for capital investments |
40% pension loss for life partner 80% loss for children up to age 18 100% loss for all other heirs |
Recommended only after an individual consultation |
| No inflation adjustment as a rule | Investment costs for asset management |
Get individual advice from one of Helvetia’s experts about the extent to which drawing a pension, withdrawing capital or “splitting”, a mixture of the two, may be a sensible solution. In addition to your personal family circumstances and your plans for retirement, they will also discuss tax and mortgage considerations.
