Three pillars, one goal: your financial security – today and in retirement.
Financial security
1st pillarState
2nd pillarOccupational
3rd pillarPrivate
1st pillar · State provision
AHV: covering the essentials
Financial security
1st pillarAHV / IV (OASI/DI) Basic needs
2nd pillarOccupational
3rd pillarPrivate
CHF 30,240Maximum AHV pension per year (2026)
CHF 15,120Minimum AHV pension per year
New in 202613th AHV pension, first paid in December
2nd pillar · Occupational provision
Pension fund: maintaining your lifestyle
CHF 22,680Entry threshold for compulsory coverage
From age 25Retirement savings process begins
~60 %Target of AHV + pension fund combined
3rd pillar · Private provision
Pillars 3a & 3b: closing the gap
CHF 7,258Max. 3a contribution with a pension fund (2026)
Fully deductibleEvery contribution lowers your taxable income
CHF 36,288Max. 3a without a pension fund (20 % of income)
The crucial point
The pension gap
50–70 %
of your final salary is what AHV + pension fund typically cover – the rest is your gap
Good to know
Do you know your numbers?
💡 Step one: the overview. Order your AHV account statement, dig out your pension fund certificate and check your 3a balances – three documents, one clear picture.