Fiduciary Service in Switzerland
Pension
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Pension
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Pension provision in cohabitation
The Swiss pension system favors married couples, while unmarried individuals face poorer conditions with AHV and pension funds. Unmarried partners do not receive a widow's/widower's pension and do not benefit from the division of pension fund assets in the event of separation.
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Pension
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The BVG conversion rate is to be reduced to 6 percent.
The current BVG conversion rate of 6.8% is set to decrease to 6% following a decision by the National Council. This change affects the annual pension paid from the accumulated pension fund savings.
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Pension
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Performance primacy and contribution primacy
Swiss pension funds use benefit primacy (pension based on the last salary) and contribution primacy (pension based on capital) for pension calculation. In the case of benefit primacy, a percentage of the last salary is paid out as a pension, while in contribution primacy, the pension depends on the accrued capital.
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