Occupational Pension (BVG) 2026
The 2nd pillar as the foundation of your future. We find the optimal pension fund solution for you and your business.
Security and Provision through the Pension Fund
Occupational pension provision (BVG), together with the AHV, forms the basis of the Swiss pension system. The goal is to maintain the accustomed standard of living after retirement. For employees with a minimum income, affiliation with a pension fund is mandatory. However, BVG is more than just saving for old age: it also protects you and your family against the risks of death and disability. For SMEs, choosing the right pension institution is also a decisive factor in the competition for qualified specialists.
- ✔ Retirement Pension: Securing your retirement years through lifelong pensions or capital.
- ✔ Risk Protection: Financial security for survivors and protection in the event of disability.
- ✔ Tax Benefits: Voluntary buy-ins into the pension fund are tax-deductible.
- ✔ Home Ownership: Advance withdrawal for the purchase of owner-occupied residential property is possible.
- ✔ SME Solutions: Attractive pension plans for small and medium-sized enterprises.
Important Questions About the 2nd Pillar (BVG)
Employees are insured for the risks of death and disability from January 1 following their 17th birthday. From January 1 after their 24th birthday, retirement savings also begin, provided their annual salary exceeds the entry threshold.
Yes, self-employed persons can voluntarily join a pension fund (e.g., that of their professional association or the substitute occupational benefit institution) to benefit from the pension advantages.
The accumulated capital (termination benefit) must be transferred to the pension fund of the new employer. If you do not take up a new job, the money must be deposited into a vested benefits account or policy.
If contribution gaps exist, insured members can make voluntary payments. This increases future pension benefits and can be fully deducted from taxable income.
This is an individual decision. The annuity offers security for life, while the lump sum allows full flexibility and inheritability. A combination of both is often sensible.
Tailor-Made Pension Solutions
Discover the possibilities of occupational pension planning for your situation.
SME Pension Plans
Optimized BVG solutions for companies that want to go beyond the legal minimum.
Get a QuoteBuy-in Advice
Calculation of coverage gaps and tax optimization through voluntary buy-ins.
Get a QuoteVested Benefits
Advice on investing vested benefit assets during interruptions in employment.
Get a QuotePlan Your Future Today
Occupational pension schemes are complex. We help you maintain an overview and optimize your pension provision for old age.
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