The minimum and maximum retirement pension for individuals and married couples can vary from year to year. The pension you receive will depend on your average income as well as whether you have been paying your OASI contributions from age 21 without any gaps up to your regular retirement age. The current legal conversion rate also plays a role in this. Since making individual calculations is complicated, starting at age 40 you can request a free pension forecast from OASI every five years. An online pension estimate is good enough if you just want a rough idea of what your future retirement pension will be.
If you want to maintain your accustomed standard of living, you will need around 80% of your most recent gross salary every month. If the amount paid out after retirement is less than this, this is what is known as a pension gap. Pension gaps can be avoided by making financial preparations for the period after retirement with suitable retirement solutions. Incidentally, this is also a smart way to save on taxes and achieve your individual savings goals.
Regular retirement age is 64 for women and 65 for men. In general, you can take early retirement up to two years before regular retirement age. You should also consult the rules of your pension fund. They explain what options your occupational retirement plan gives you. Generally, occupational retirement plans let you retire at age 59, although there may be exceptions. You should consult the rules for your pension fund to be sure.
If you retire early, the retirement capital you accrue will be less than would be the case at regular retirement age. To determine your anticipated pension benefits on the desired retirement date, you can perform an online calculation or ask your employer to do this.
Do you have any questions, or would you like a no-obligation pension consultation? Our experts are there for you.
The purpose of the Swiss pension system with its three pillars is to ensure financial security for people in Switzerland in old age, in the event of disability and in a death case.
The purpose of Pillar 1 is to secure livelihoods after retirement, in the event of disability and incapacity to work, or after a death.
Pillar 2 enables people to maintain their accustomed standard of living after retirement.
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