Pensions made simple · Episode 7

Reading your pension
certificate correctly

Six positions you should know.

Positions 1 & 2

Salary & insured salary

1Reported AHV salary: correct?
2Insured salary: how much is really covered?
!Part-time: is the coordination deduction pro-rated?
Position 3

The retirement savings

Mandatory: minimum interest 1.25 % & conversion rate 6.8 % guaranteed
Extra-mandatory: rates set by the fund
Position 4

Projection, buy-ins & home ownership

ProjectionCapital & pension at 65 – with assumed interest
Buy-in potentialWhat you could pay in tax-effectively
Home ownershipAmount available for your own home
Positions 5 & 6

Risk & health of the fund

Risk benefitsDisability pension, partner's pension, death lump sum
ContributionsSavings, risk and admin shown separately
Funding ratio> 100 % = fund is fully funded
Good to know

Check it yourself

💡 Get the certificate out, find the six positions. Salary, savings, projection, buy-in potential, risk benefits, funding ratio – 10 minutes well spent.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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