Pensions made simple · Episode 6

The pension fund:
basics of the 2nd pillar

From gross salary to insured salary – and what your fund provides.

The insured salary

The 2026 key figures

CHF 22,680Entry threshold for mandatory coverage
CHF 26,460Coordination deduction (covered by AHV)
CHF 64,260Max. coordinated salary, mandatory scheme
The saving

Retirement credits: the staircase

7 %Age 25–34
10 %Age 35–44
15 %Age 45–54
18 %Age 55–65
The benefits

Three cases, three answers

RetirementPension (conversion rate) or lump sum
DisabilityDisability pension in % of insured salary
DeathSpouse's pension 60 % / orphan's 20 %
Beyond the minimum

Mandatory & extra-mandatory

Mandatory: salary up to CHF 90,720, legal guarantees
Extra-mandatory: everything above – fund-specific, insurable up to CHF 907,200
Good to know

Your key document

💡 The pension certificate tells all. Insured salary, savings, pension projection, buy-in potential – in the next episode we read it together.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg