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BVG in Switzerland – tracking down lost credit
Financial security in old age is a basic need, which is why Swiss employees pay into pension funds. How does the pension system work and why can deposited funds be lost? Two pillars of the pension system in Switzerland In order to receive their well-deserved pension in old age, employees have to pay in throughout their entire working life. Employers are also involved in financing pensions in Switzerland. Helvetia's pension system is based on two pillars: on the one hand, there is the state pension provision with old-age and survivors' insurance (AHV), and on the other hand, there is occupational pension provision in accordance with the Federal Act on Occupational Retirement, Survivors' and Disability Pensions (BVG). …
BVG in Switzerland – tracking down lost credit
Financial security in old age is a basic need, which is why Swiss employees pay into pension funds. How does the pension system work and why can deposited funds be lost?
Two pillars of the pension system in Switzerland
In order to receive their well-deserved pension in old age, employees have to pay in throughout their entire working life. Employers are also involved in financing pensions in Switzerland. Helvetia's pension system is based on two pillars: on the one hand, there is the state pension provision with old-age and survivors' insurance (AHV), and on the other hand, there is occupational pension provision in accordance with the Federal Act on Occupational Retirement, Survivors' and Disability Pensions (BVG). As the second pillar of the pension system, the BVG aims to achieve a pension level of at least 60 percent of the last salary. Occupational pension provision is mandatory for most, although not all, employees. Find out what the BVG is and how the system works exactly!
Credit can be lost – what to do?
The contributions paid into the second pillar of the pension system are currently managed by over 1,500 pension funds in Switzerland. In some cases it happens that the credits are deposited in accounts that the relevant institution cannot assign to a holder. This sometimes happens when the employee changes jobs, becomes unemployed or relocates to another country.
For the person concerned, this means a reduction in pension entitlements despite the payment being made. This means that around 10 billion francs are lying dormant in the pension fund accounts. This is exactly where Swiss Serenity comes into play. Swiss Serenity looks for such dormant contributions and enables anyone and everyone to get the money back. The application can be filled out in just a few minutes and you will receive the information after 3 months at the latest.
Occupational pension provision in Switzerland is different from similar concepts in other countries Germany several advantages. Get the most out of the BVG system with Swiss Serenity!