FAQ

FAQ Overview

What is the second pillar?

Retirement savings in the 2nd pillar are normally paid out via the pension fund (PF). This enables you to maintain the standard of living you are used to in old age or in the event of disability.

Retirement savings in the 2nd pillar also provides cover for your family in the event of your death. If you are over the age of 25 and your gross annual income exceeds CHF 22,050, a monthly contribution is deducted from your income and paid into the pension fund to build up your retirement assets.

The 2nd pillar is financed both by yourself as the employee as well as by your employer.

Those who are self-employed can join the pension fund voluntarily. The capital from the 2nd pillar can be paid out in old age, either as a monthly pension, a one-off lump sum or a mixture of both.

3 pillar principle explained simply

3 pillar principle explained simply

How does the Swiss pension provision work and what is the three pillar system about? Find out in this article.

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