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Pillar 2 – occupational benefits insurance

Retirement, survivors' and disability pensions are based on the three-pillar concept, which is anchored in the constitution in Switzerland. Pillar 2 is designed to enable employed persons and their family members to maintain their living standard. It consists of a mandatory and an extra-mandatory (voluntary) part.

What we offer in Pillar 2

Pension fund

What you must watch out for during your working life, for example when changing jobs or when you experience a change in your family circumstances. How you can benefit from voluntary purchases in the pension fund and the questions you should be asking shortly before you retire. Here you will find the key facts about occupational benefits insurance.
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Working life

If you want to know more about occupational benefits insurance or to better understand the entries on your pension fund certificate, you’ve come to the right place. You will learn what to do when you join or leave a pension fund, when you change your job, or when you get divorced.
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Residential property

Money from your occupational benefits insurance can be used in two ways to finance the purchase of residential property: either by an advance withdrawal or by pledging your pension fund assets. Carefully consider your options and any consequences so that you make the right decision for the long term.
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Purchasing pension fund benefits

Additional payments into your pension fund generally make good sense. They allow you to close any pension gaps, improve your retirement benefits, and even save taxes. The maximum amount you can purchase is recalculated each year by your pension fund.
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Retirement

Sooner or later, everyone who is gainfully employed will be confronted with important questions about their retirement: When is the right time? Can I afford to retire early? Should I draw my benefits as a pension, as a lump sum, or as a combination of the two? Find out more and make use of your possibilities.
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The Swiss three-pillar system

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The three-pillar system simply explained

The purpose of Switzerland's three-pillar pension system is to ensure that people in Switzerland are financially secure in their old age and in the event of disability or death.

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Pillar 1 – AHV/DI/EO

Pillar 1 is designed to secure people's livelihood in old age, on disability (including occupational disability) or following a death.

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