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Overview of pensions in Switzerland
The Swiss pension system rests on three pillars: the state-run pension scheme for the aged, orphans, and surviving spouses (old-age and survivors insurance);
Pension_system_in_Switzerland
shows the pension systems pillars by country. Pension entitlements by funding type in % of total in year 2021. Some of the listed systems might also
Pension_systems_by_country
amount in the tens of millions. UK pensions US pensions Pensions in Austria Pensions in France Pensions in the Netherlands Pension system in Switzerland Sozialgesetzbuch
Pensions_in_Germany
Retirement fund
work. A pension may be either a "defined benefit plan", where defined periodic payments are made in retirement and the contributions to the pension are adjusted
Pension
Policy in Switzerland Pension system in Switzerland Taxation in Switzerland Federal Department of Home Affairs Old-age and survivors insurance in Switzerland
Social security in Switzerland
Social_security_in_Switzerland
under discussion in 2009. This is a pay-as-you-go pension system, the law on occupational pensions (2nd pillar) being a funded pension system. The OASI also
Old-age and survivors insurance in Switzerland
Old-age_and_survivors_insurance_in_Switzerland
Pension fund for employees of the Swiss Federal Administration
administration, forming part of the second Pillar of the three-pillar Swiss pension system. It is open to employers affiliated with the Confederation or performing
Swiss_Federal_Pension_Fund
Insurance providing income protection when a disability prevents a person from working
enough to prevent abject poverty. Switzerland's disability insurance is a part of the pension system in Switzerland. One of the most common reasons for
Disability_insurance
Program, fund, or scheme that provides retirement income
A pension fund, also known as a superannuation fund in some countries, is any program, fund, or scheme which provides retirement income. The U.S. Government's
Pension_fund
related to the pension system. The "Initiative for a 13th OASI pension payment", proposed to add a 13th month of pension. The "Pensions Initiative (retirement
2024_Swiss_referendums
Country in Central Europe
abolished the republic in 1803 and reinstated a confederation. Following the Napoleonic Wars, Switzerland restored its pre-revolutionary system, but by 1830 faced
Switzerland
Financial services subsidiary of Swiss Post
insurance: In the area of pensions, Postfinance offers a pension account tailored to the three-pillar pension system in Switzerland and, in cooperation
PostFinance
Retirement benefit for United Nations employees
Staff Pension Fund (UNJSPF) under Article 28 of the Regulations, Rules and Pension Adjustment System of the United Nations Joint Staff Pension Fund (UNJSPF
UN_pension
Norwegian sovereign-wealth fund
the Government Pension Fund Global (Norges Bank Investment Management) and the Government Pension Fund Norway. The Government Pension Fund Global (Statens
Government Pension Fund of Norway
Government_Pension_Fund_of_Norway
Foreign payments to Swiss officials and authorities, c. 1470–1798
Pensions (German: Pensionen; French: pensions) were regular payments made by foreign sovereigns to officials and authorities of the Swiss Confederacy
Pensions (Old Swiss Confederacy)
Pensions_(Old_Swiss_Confederacy)
Life insurance company based in Zurich, Switzerland
The Swiss Life Group is the largest life insurance company of Switzerland and one of Europe’s leading comprehensive life and pensions and financial services
Swiss_Life
UK successor to the European Health Insurance Card
eligibility to enrol in Medicare. Before January 2021, UK residents, students and European Economic Area/Switzerland-resident UK state pension recipients were
UK Global Health Insurance Card
UK_Global_Health_Insurance_Card
Swiss government department
Federal Act on the Federal Pension Fund, of 20 December 2006 (status as of 1 January 2012), Federal Chancellery of Switzerland (page visited on 5 September
Federal_Department_of_Finance
Taxes in Switzerland are levied by the Swiss Confederation, the cantons and the municipalities. Switzerland is a federal republic in which the sovereignty
Taxation_in_Switzerland
Form of pension
disability pension is from a private or Public Pension Plan, or the Canada Pension Plan. Another example is Social Security Disability Insurance (SSDI) in the
Disability_pension
referendum in December 1952 and established in 1954. It is largely based on the Swiss AHV, it follows the three pillars of the Swiss pension system, with the
Old-age and survivors insurance in Liechtenstein
Old-age_and_survivors_insurance_in_Liechtenstein
Seven-member collective cabinet
German, French and Italian in the online Historical Dictionary of Switzerland. "Collegial System" in German, French and Italian in the online Historical Dictionary
Federal_Council_(Switzerland)
low, which it attributed to the role of occupational pensions and private savings in those systems. Housing related costs represent a substantial share
Retirement_in_Europe
Organisation of the Government of India
employee has opted-in. All firms employing 20 or more employees are mandated to be registered with the Fund. EPFO also runs the basic pension scheme, along
Employees' Provident Fund Organisation
Employees'_Provident_Fund_Organisation
two institutions active in the Swiss pension system: CIAM-AVS (active in the first pillar of the system) and the CIEPP (active in the second pillar). Philippe
Fédération des Entreprises Romandes Genève
Fédération_des_Entreprises_Romandes_Genève
financial contracts. The main kinds of UK institutional investors are, pension funds (where beneficiaries are saving for retirement) insurance companies
List of institutional investors in the United Kingdom
List_of_institutional_investors_in_the_United_Kingdom
the afternoon. Switzerland's voting system is unique among modern democratic nations in that Switzerland practises direct democracy in parallel with representative
Voting_in_Switzerland
Healthcare system
old-age and disability pension system that was enacted in 1889 and began in 1891. States such as Germany, Austria, Switzerland and Czech Republic have
Bismarck_model
Agreement between a bank and its clients that activities remain private
confidential, and private. Most often associated with banking in Switzerland, banking secrecy is prevalent in Luxembourg, Monaco, Hong Kong, Singapore, Ireland,
Bank_secrecy
Swiss government department
occupational pension funds, compensation for loss of earnings for people on national service and women on maternity leave, and family allowances in the agricultural
Federal Department of Home Affairs
Federal_Department_of_Home_Affairs
serving to tackle intergenerational friction or conflict. In the context of pension systems, it refers to a fictitious "solidarity contract" serving as
Generational_contract
trade, while the rural regions of Switzerland remained poor and underdeveloped. While a workshop system had been in existence throughout the early modern
Economy_of_Switzerland
Type of electronic network for financial transactions
There are various ACH systems around the world. The World Bank identified 87 systems in their 2010 survey and 98 systems in their 2012 survey, while
Automated_clearing_house
Swiss insurance industry organisation
competitive system.[citation needed] The SIA is active in the following fields:[citation needed] social security (occupational pensions, life insurance)
Swiss_Insurance_Association
Israeli military technology company
Government Pension Fund of Norway's ethical council decided to sell the fund's stocks in Elbit due to the company's supply of surveillance systems for the
Elbit_Systems
Healthcare institutions in Switzerland
500 existed in Switzerland by 1865), which concluded contracts with hospitals. In 1875, the Confederation obligated cantons to pay pension costs for indigent
Hospitals_in_Switzerland
Swiss government agency
insurance in Switzerland. It is subordinated to the Federal Department of Home Affairs. It regulates the Swiss social insurance and system, including
Federal Social Insurance Office
Federal_Social_Insurance_Office
House of the Federal Assembly of Switzerland
Members also receive food, travel and hotel allowances and a pension contribution. The Swiss government estimates that a member typically receives 130,000
Council of States (Switzerland)
Council_of_States_(Switzerland)
Age at which a person expects or requires to retire
2019, and 64 in 2022), and in 2030 for women (61 in 2018, 62 in 2021, 63 in 2024, and 64 in 2027). Ageism Mandatory retirement Pension systems by country
Retirement_age
Swiss company
Securitas AG is a Swiss company providing security services with head office in Zollikofen, regional offices in Basel, Bern, Geneva, Lausanne, Lugano
Securitas_AG
Executive branch of the federal authorities of Switzerland
the Swiss social insurance and system, including old age and survivors' insurance, invalidity insurance, supplementary benefits, occupational pension funds
Federal administration of Switzerland
Federal_administration_of_Switzerland
Investors in Bernard L. Madoff Investment Securities LLC lost billions of dollars in the Madoff investment scandal, a Ponzi scheme conducted by Bernard
List of investors in Bernard L. Madoff Investment Securities
List_of_investors_in_Bernard_L._Madoff_Investment_Securities
Former Swiss political party
and Swiss Christian Democratic Party (Romansh: Partida cristiandemocratica Svizra), PCD), was a Christian democratic political party in Switzerland. On
Christian Democratic People's Party of Switzerland
Christian_Democratic_People's_Party_of_Switzerland
Switzerland has 9 million inhabitants, as of June 2024. Its population quadrupled over the period 1800 to 1990 (average doubling time 95 years). Population
Demographics_of_Switzerland
House of the Federal Assembly of Switzerland
panachage system, each voter has as many votes as there are seats in the canton. "The National Council" (official site). Bern, Switzerland: The Swiss Parliament
National Council (Switzerland)
National_Council_(Switzerland)
precedes the payment of a pension. According to a 2025-survey conducted by YouGov, retirees in Switzerland are among the “happiest” in Europe. According to
Health_in_Switzerland
Automotive parts company
automotive technology and components. It is organized in Jersey and is a resident of Schaffhausen, Switzerland, for tax purposes. The company operates 139 major
Aptiv
Municipality in Bern, Switzerland
Gimmelwald (Swiss Standard German pronunciation: [ˈɡɪml̩ˌvald]) is a small car-free village in the Bernese Oberland in the Canton of Bern, Switzerland, and is
Gimmelwald
Swiss web hosting company
Swiss Exchange. The company started as a user group founded in 1990 by Boris Siegenthaler in the Canton of Geneva, offering a bulletin board system to
Infomaniak
soil and sub ground (groundwater). Switzerland has a varied and complex hydrological system. The climate of Switzerland gives precipitation under the form
Hydrology_of_Switzerland
Topics referred to by the same term
Switzerland Dâmbovița County (ISO 3166-2:RO code), Romania DB Draw, a bridge over the Passaic River, US Discovery Bay, a residential development in Hong
DB
City in Switzerland
/luːˈsɜːrn/ loo-SURN) or Luzern (Swiss Standard German: [luˈtsɛrn] ) is a city and a municipality in central Switzerland, in the German-speaking portion of
Lucerne
Former municipality in Bern, Switzerland
Zimmerwald (Swiss Standard German pronunciation: [ˈtsɪmərˌvald]) was an independent municipality in the Canton of Bern, Switzerland until 31 December
Zimmerwald
Investment management and financial planning service
Crossborder wealth flows accelerated 8.7% in 2024, with the United Arab Emirates, Singapore, Hong Kong, and Switzerland emerging as the primary booking centres
Wealth_management
List of referendums in Switzerland in 2008
parties. In the November referendums Swiss voters rejected initiatives aiming at a legalisation of cannabis, at a flexibilisation of the pension age and
2008_Swiss_referendums
Period of Swiss prehistory from 2200 to 800 BC
"Bronze Age" was first applied to Swiss archaeological material by Frédéric Troyon [fr] in 1860, applyinh the three-age system of Danish archaeologists Christian
Bronze_Age_in_Switzerland
Successful corporate governance initiative
The 2013 Swiss executive pay initiative of 2013 was a successful federal popular initiative in Switzerland to control executive pay of companies listed
2013 Swiss executive pay initiative
2013_Swiss_executive_pay_initiative
Swiss jurist (1933–2022)
Organizations (Alliance F), she was involved in the commission for the National Pension System of Switzerland (AHV). In later years she received the honorary
Margrith_Bigler-Eggenberger
Point where a person ceases employment permanently
have systems to provide pensions on retirement in old age, funded by employers or the state. However, only about 15% of private industry workers in the
Retirement
Swiss parliamentary body
improve governance and crisis management in Switzerland. Since the establishment of the PUK on the Federal Pension Fund (FPF) on October 17, 1995, 31 parliamentary
Parliamentary Inquiry Committee in Switzerland
Parliamentary_Inquiry_Committee_in_Switzerland
Israeli bank
Private Banking, Switzerland Bank Hapoalim (Switzerland) Ltd., Zürich, Geneva, Luxembourg, South America, and the Cayman Islands. In recent years, the
Bank_Hapoalim
Archaeological period in Switzerland from c. 9500 to 5500 BCE
The Mesolithic in Switzerland represents a crucial transitional period in Swiss prehistory, spanning from approximately 9500 to 5500 BCE. This archaeological
Mesolithic_in_Switzerland
American entrepreneur (born 1985)
various institutional investors, such as the pension fund of the California State Teachers' Retirement System. Ramaswamy was insulated from much of Axovant's
Vivek_Ramaswamy
Form of taxation in the Netherlands
previous year. The system integrates the income tax with fees paid for the general old age pension system (AOW), the pension system for partners of deceased
Income_tax_in_the_Netherlands
Financial ratio assessing long-term financial soundness
amount under a prudential regime such as Solvency II in the European Union. In defined benefit pension schemes, solvency measures may compare scheme assets
Solvency_ratio
Genocide of European Jews by Nazi Germany
450 million (around $107 million) to the Claims Conference. Germany paid pensions and other reparations for harm done to some Holocaust survivors. Other
The_Holocaust
Public servants in Switzerland
Civil servants in Switzerland are public sector employees who work for the Confederation, cantons, or communes. According to the OECD, approximately 595
Civil_servants_in_Switzerland
Municipality in Bern, Switzerland
(Swiss Standard German pronunciation: [vald] ) is a municipality in the Bern-Mittelland administrative district in the canton of Bern in Switzerland.
Wald,_Bern
Former municipality in Bern, Switzerland
pronunciation: [ˈvɛŋən] ) is a mountain village in the Bernese Oberland of central Switzerland. Located in the canton of Bern at an elevation of 1,274 m
Wengen
European insurance company
operations in the Nordics, Baltics, and the UK. Sampo operates in four segments: Private in the Nordics and the UK, and Commercial and Industrial in the Nordics
Sampo_Group
Strategy of completing tasks with another person
task. The role of this individual is to not partake in the task, but to serve as a support system and create a welcoming environment that allows the individual
Body_doubling
Swiss private bank
of the Swiss financial system, helping co-found the Geneva Stock Exchange in 1857. In 1973, it pioneered the development of Swiss hedge funds. In 1985,
Mirabaud_Group
Mountainside retreat in Berchtesgaden, Bavaria, Germany
Switzerland and to their freedom. In 1877 Mauritia Mayer, a pioneer in Alpine tourism, opened the Pension Moritz boarding house in Obersalzberg. In the
Obersalzberg
Presidential eligibility of Jair Bolsonaro
Brazilian state television broadcaster, in which then-president Jair Bolsonaro attacked the Brazilian electoral system. The lawsuit was filed by the Democratic
Political ineligibility of Jair Bolsonaro
Political_ineligibility_of_Jair_Bolsonaro
Financial telecommunication network
communicated over Telex, a public system involving manual writing and reading of messages. The collapse of the Bretton Woods agreement in 1971, the decoupling of
SWIFT
Swiss businessman and venture capitalist
German pension platform Xpension in April 2020. A total of 25 million EUR was raised. In October 2020, Armada Investment supported the Swiss startup
Daniel_Aegerter
Series of payments made at equal intervals
protects against unusually long survival. In the twentieth century, pensions and public retirement systems made annuity-like income more common even where
Annuity
Russian financial transfer system
equivalent of the SWIFT financial transfer system, developed by the Central Bank of Russia. The system has been in development since 2014, when the United
SPFS
Stock exchange in Yerevan, Armenia
new pension system, meaning these organizations are responsible for collecting and properly allocating the assets that are set aside for these pension programs
Armenia_Stock_Exchange
German politician (born 1979)
Faculty of Law and Economics in Bayreuth on the future of the Chinese pension system. In 2011, she received a doctorate in international development. She
Alice_Weidel
City in California, United States
dismissed. A 2002 scheme to underfund pensions for city employees led to the San Diego pension scandal. This resulted in the resignation of newly re-elected
San_Diego
Eleven national referendums were held in Switzerland during 2013. Voters approved six proposals related to spatial planning, executive pay, family policy
2013_Swiss_referendums
Bilateral relations
left much to be desired. In 1601, the debts of the French crown to the Swiss amounted to 11.6 million gold crowns. Pensions for military service were
France–Switzerland_relations
Brazilian banking company
operations in Brazil, Chile, Colombia, Panama, Paraguay, United States and Uruguay in the Americas, as well as in Luxembourg, Portugal, Switzerland and the
Itaú_Unibanco
Privately owned multinational chemicals company
In April 2008 Ineos, which was experiencing adverse economic conditions, was at the centre of an industrial relations dispute with Unite over pension
Ineos
The tax system of the Czech Republic is similar in its main features to the systems of developed and especially European countries. Czech Republic's current
Taxation in the Czech Republic
Taxation_in_the_Czech_Republic
Swiss investment bank and financial services company
Union Bank of Switzerland (UBS) was a Swiss investment bank and financial services company located in Switzerland. The bank, which at the time was the
Union_Bank_of_Switzerland
Multinational investment bank headquartered in Switzerland
position in the retail and corporate loan market in Switzerland; in fact, it serves one in three pension funds, more than 85% of the 1,000 largest Swiss corporations
UBS
Salafi jihadist militant organisation
lost their jobs and pensions in the de-Ba'athification process after that regime was overthrown. The former Chief Strategist in the Office of the Coordinator
Islamic_State
2014 OECD data sharing initiative
identify risks in compliance and loopholes. It opened a website for whistle-blowers to anonymously report CRS violations including for pensions, insurance
Common_Reporting_Standard
Most (about 70%) earn an extra pension from private pension funds. Employees are obliged to participate in the sector pension funds.[clarification needed]
Economy_of_the_Netherlands
Bilateral relations
Russia–Switzerland relations are foreign relations between Russia and Switzerland. Switzerland opened a consulate in Saint Petersburg in 1816, upgrading
Russia–Switzerland_relations
organisations that have a common system of remuneration and pensions, and who are members of the Co-ordination System. There are currently six members
Co-ordinated_Organisation
Country in North America
democratic programs were also instituted, such as Medicare, the Canada Pension Plan, and Canada Student Loans, though provincial governments, particularly
Canada
Health insurance card in Europe
patient receives the most pension. The card only covers healthcare which is normally covered by a statutory health care system in the visited country; additional
European Health Insurance Card
European_Health_Insurance_Card
Defunct Swiss multinational bank
the Federal Reserve in the United States. Credit Suisse was founded in 1856 to fund the development of Switzerland's rail system. It issued loans that
Credit_Suisse
Swiss Insurance Company
Zurich Insurance Group Ltd. is a Swiss insurance company, headquartered in Zürich, and the country's largest insurer. As of 2024,[update] the group is
Zurich_Insurance_Group
marriage has been legal in Switzerland since 1 July 2022. Legislation to open marriage to same-sex couples passed the Swiss Parliament in December 2020. The
Same-sex marriage in Switzerland
Same-sex_marriage_in_Switzerland
Agency of the European Union
and Switzerland have signed agreements to become associated states with the agency. eu-LISA is responsible for following AFSJ Information Systems: The
Eu-LISA
Swedish referendum, concerning the form of the Swedish pensions system, was held on 13 October 1957. In this non-binding referendum there were three alternatives:
Referendums_in_Sweden
travel, tourism, insurance
PENSION SYSTEM-IN-SWITZERLAND
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PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
PENSION SYSTEM-IN-SWITZERLAND
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