Pensions made simple · Episode 2

The AHV:
how it works

First pillar, pay-as-you-go: today's workers pay today's pensions.

👷Workers pay contributions
🔄The compensation office redistributes
👵Retirees receive their pensions
The funding

Contributions on every franc of salary

10.6 %AHV/IV/EO contributions on salary
½ + ½Shared between employee and employer
From 17Contribution duty starts 1 January after
The benefits

More than an old-age pension

Old-age pensionFor life, from reference age 65
Disability pensionIn case of permanent incapacity
SurvivorsWidow's, widower's and orphan's pensions
The amount

Between minimum and maximum

CHF 1,260Minimum monthly pension (full record)
CHF 2,520Maximum monthly pension
150 %Cap for married couples: max. CHF 3,780/month
New in 2026

The 13th AHV pension arrives

13th
AHV old-age pension – first payout in December 2026
Good to know

No gaps pays off

💡 Full pension = 44 contribution years. Every missing year reduces your pension for life. The detailed calculation awaits you in the next episode.
Request a consultation

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg