Pensions made simple · Episode 4

Drawing the AHV flexibly:
early or deferred

Your window: from 63 to 70 – reference age in principle 65. Women born 1961–1969: early withdrawal from 62, reference age by year of birth.

63Earliest early withdrawal
Women 1961–1969: from 62
65Reference age
Transitional generation: by year
70Latest deferral
Option 1

Early withdrawal

− 6.8 %
reduction per year of early withdrawal – for life. Women of the transitional generation benefit from reduced rates. AHV contributions remain due until the reference age.
Option 2

Deferral

+ 31.5 %
maximum lifelong supplement for 5 years of deferral
Special case

Women of the transitional generation

1961–1969Affected birth years
64 → 65Reference age rises in steps
CompensationPension supplement or favourable early rates
Working past 65

The allowance

CHF 16,800Annual allowance free of AHV contributions
WaiverPossible on request, to fill gaps
1 ×One recalculation of the pension possible
Good to know

Register in time

💡 The pension does not come by itself. Apply at least 3 months in advance with the compensation office – whether early, ordinary or deferred.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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