Basics

Here you will find basic information about key topics concerning occupational pensions.

Meaning and objectives of occupational pension funds

Occupational pension funds, also called the 2nd pillar, complete the basic 1st pillar AVS/AI/APG system (old age, disability, loss of income). Together, these two insurance systems should ensure that retired people to a large extent maintain their former standard of living. i.e. they should jointly provide approximately 60% of the last salary.

Organisation and financing of occupational pension funds

Here you will find an overview of how occupational benefits provision is organised and financed.

Unclaimed vested benefits

Sometimes people forget that they have vested benefits; this is especially true when foreign workers leave Switzerland definitively. The brochure entitled “Vested benefits: don’t forget your retirement assets!” explains what vested benefits are and sets out the various situations where action needs to be taken. It also provides information on where help can be obtained if someone suspects that they have due to them vested benefits they had forgotten about.