The 2nd pillar of the Swiss pension system – occupational pension provision (BVG) – supplements AHV/IV and is designed to help you maintain your standard of living in retirement, in the event of disability, or in case of death. It is based on a fully funded system and is financed by contributions from both employees and employers. The 2nd pillar also offers flexibility through options such as lump-sum withdrawals and voluntary additional contributions.
Pension or capital benefits upon entering retirement.
Pension in case of permanent or partial inability to work.
Support for surviving spouses or children in the event of death.
Management of pension fund assets when switching employer or leaving the workforce.
Contributions are calculated based on the insured salary and increase with age. Employers cover at least half of the contributions.
The pension fund statement provides an overview of:
smzh explains your pension fund statement in simple language and examines whether there are ways to optimize your situation.
Purpose: Closing provision gaps, e.g., due to loss of income or contribution breaks.
Tax advantage: Voluntary contributions can be deducted from taxable income.
How to proceed:
Vested benefits accounts when switching jobs or leaving the workforce:
smzh helps you find the best solution given your circumstances.
Annuity: Regular monthly payments that ensure a regular income in retirement.
Combined solution: Partial lump-sum payment combined with an annuity.
smzh advises you comprehensively in selecting the optimal solution based on your requirements and goals.
Withdrawal when emigrating: Full or partial withdrawal when shifting one's residence abroad (depends on country of destination).
Withdrawal for self-employment: Using pension capital to establish a company.
smzh supports you with your application and examines the impact on your retirement provision.
Analysis of your situation: Determining the income gap between your pension benefits and your financial needs in retirement.
Planning the start of retirement: Optimizing annuity and lump sum withdrawal.
Tax optimization: Strategies to minimize the tax burden on lump-sum withdrawal and annuity.
Your benefits with smzh for the 2nd pillar:
Optimize your occupational provision with smzh – competently, confidently, and individually.
We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
Your pension fund statement provides details about your retirement capital, your prospective annunity, and other benefits. smzh helps you interpret this information and identify optimization potential.
Voluntary contributions are helpful to close pension provision gaps and benefit from tax advantages. We analyze your circumstances and show you the best steps to take.
This depends on your personal circumstances, your financial goals, and your risk appetite. smzh helps you take the right decision.
Yes, you can withdraw your capital early or pledge it to finance home ownership. We advise you on the requirements and their impact.
Your selection depends on your priorities: flexibility (bank) or additional protection (insurance). smzh helps you find the best solution for your circumstances.
