Pensions made simple · Episode 3

Your AHV pension:
how it is calculated

Contribution years + average income = your pension.

44contribution years for the full pension
+Revalued average income
=Your personal pension
Factor 1

The contribution years

− 2.3 %
pension reduction per uncompensated contribution year – for life. Youth years and other crediting rules can partly fill gaps.
Factor 2

The decisive average income

CHF 90,720Average income for the maximum pension
RevaluationEarlier salaries are adjusted for wage growth
Whole careerAll working years count – not just the last ones
Two mechanisms

Splitting & credits

Splitting

  • Incomes of the marriage years are pooled
  • Credited half to each spouse
  • Relevant in divorce too

Credits

  • Child-raising credits: children under 16
  • Care credits: looking after relatives
  • Increase the decisive income
Practical tip

The IA statement: your control tool

1.Order free of charge from the compensation office – online in minutes
2.Check every year and income entry: anything missing?
3.Request a correction within 30 days if something is wrong
Good to know

Spot gaps early

💡 Back payments possible for 5 years only. Check your IA statement every few years – not just shortly before retirement.
Request a consultation

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

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