You are using an outdated browser. There may be optical and technical problems.
OK, CLOSE
Hand on heart: Do you know what you income will be in retirement and are you covered in the event of death or if you are no longer able to work?
Are you and your loved ones adequately covered for the period after retirement or for the worst-case scenario? Regardless of whether this involves your retirement provision, protection in the event of death or disability, protection of your partner or generally planning your financial future. AXA has the right offers for you – individually geared towards your personal requirements.
It is becoming less and less likely that AHV / IV and BVG benefits will be enough for you to continue with your accustomed standard of living after retirement. You can take advantage of the many pension coverage options of voluntary Pillars 3a/3b in addition to obligatory Pillars 1 and 2 to avoid income gaps in retirement and also to cover yourself and your partner against the risks of disability or in case of death.
The Swiss pension system consists of three pillars. Pillar 1 (AHV/IV/EO plus supplementary benefits) is the state cover to secure people's livelihood in old age, on disability or upon death. AHV/IV benefits are supplemented by Pillar 2 (BVG), occupational benefits insurance. Contributions into the voluntary Pillar 3 (3a/3b) are designed to provide continuity of the accustomed standard of living.
If you wish to maintain your accustomed standard of living, around 80% of your last gross salary should be available every month. If the amount paid out after retirement is below this figure, then there is a pension gap. Pension gaps can be avoided by making financial preparations for the period after retirement with suitable pension solutions. AXA would be very happy to help you with this – arrange an appointment with one of our pension experts.
Payments or contributions into tied pension provision (Pillar 3a) can be deducted in full against taxable income which reduces your tax burden. But flexible pension provision (Pillar 3b) also offers some smart options on how to simply save on tax.
You have a number of options to choose from to protect yourself effectively against the risk of loss of income. You can reliably insure against loss of salary caused by accident, occupational disability or death. Discover more about our offers here.
Families have to consider various points when it comes to pensions. For example, it is not very easy for young families in particular to save regularly for the period after retirement. The SmartFlex pension plan can help here, as it can be adapted to your current family situation and also offers flexible contributions. But loss of earnings due to illness, disability or as a result of death is also a risk that families need to cover themselves against. If there any changes in a family, e.g. due to marriage, divorce, house purchase or a new baby, it is always advisable to review the pension situation.
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.
Pillar 1 is designed to secure people's livelihood in old age, on disability (including occupational disability) or following a death.
Pillar 2 covers occupational benefits insurance, occupational accident insurance, daily sickness benefits insurance and vested benefits schemes. Pillar 2 aims to enable people to maintain their accustomed standard of living after retirement.
Do you have any questions or would you like a no-obligation pension consultation? Our experts are there for you.
We use cookies and analysis tools to improve your user experience, to personalize advertising by AXA and our advertising partner companies, and to provide social media functions. Unfortunately you cannot change your cookie settings via our Cookie Preference Center if you use Internet Explorer 11. If you would like to change your settings, please use an up-to-date browser. By using our website with this browser, you consent to the use of cookies.
