Handlungsempfehlungen
| Monatslohn: | Monatslohn: | Monatslohn: | |
|---|---|---|---|
| Rente: | High level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 3’000. Your expected retirement pension is higher and is 100% of this amount. Your expected retirement pension will be below the Swiss average. This is likely too little to maintain your standard of living reached until retirement. | High level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 4’500. Your expected retirement pension is only 67% of this amount. Your expected retirement pension will be below the Swiss average. This is likely too little to maintain your standard of living reached until retirement. | High level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 6’000. Your expected retirement pension is only 50% of this amount. Your expected retirement pension will be below the Swiss average. This is likely too little to maintain your standard of living reached until retirement. |
| Rente: | Medium level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 3’000. Your expected retirement pension is higher and is 167% of this amount. Your expected retirement pension will be at about the Swiss average. This is likely be just enough to maintain your standard of living reached until retirement. | Medium level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 4’500. Your expected retirement pension is higher and is 111% of this amount. Your expected retirement pension will be at about the Swiss average. This is likely be just enough to maintain your standard of living reached until retirement. | Medium level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 6’000. Your expected retirement pension is 83% of this amount. Your expected retirement pension will be at about the Swiss average. This is likely be just enough to maintain your standard of living reached until retirement. |
| Rente: | Low level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 3’000. Your expected retirement pension is higher and is 233% of this amount. Your expected retirement pension will be under the Swiss average. You will likely be able to maintain your standard of living with this amount reached until retirement. | Low level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 4’500. Your expected retirement pension is higher and is 156% of this amount. Your expected retirement pension will be under the Swiss average. You will likely be able to maintain your standard of living with this amount reached until retirement. | Low level of action requiredBased on statistical evidence, your expected gross monthly salary before retirement will be around CHF 6’000. Your expected retirement pension is higher and is 117% of this amount. Your expected retirement pension will be under the Swiss average. You will likely be able to maintain your standard of living with this amount reached until retirement. |
Contact
Vita Joint Foundation
c/o SST Vita Dienstleistungs AG
Hagenholzstrasse 60
8050 Zurich
transparente@vita.ch
Fully utilize 3rd pillar
By maintaining one or more 3a accounts, you’ll increase your expected retirement pension while saving on taxes at the same time.
Open an online 3a account with our partner Zurich in just a few steps
Download your pension calendar
Make provisions today and set yourself savings reminders. The dates are transferred to your personal calendar with just one click. These remain private and visible only to you. Make your selection now
Components of your pension
For the pension calculation, your expected pillar 1 pension (AHV) for unmarried persons (uncapped), the expected pillar 2 pension (BVG minimum, standard in many companies) and the indicated assets are aggregated in pension form.
In doing so, we use simplifications and statistical information. You are welcome to discuss your pension situation in more detail in a (video) consultation.
Welcome to the online pension calculator.
Would you like to make your dreams a reality even into old age? Get an overview in just five minutes with the Vita Pension Calculator:
- You will learn what amount will be available after retirement
- You can play around with simulated scenarios
- You will get concrete tips on how you can begin to strengthen your retirement income today
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Personal details
AHV
What impact do these gaps have?
What impact do these gaps have?
Employees who have paid all of their AHV contributions each year from January 1 of the year after they turned 20 until they reach ordinary AHV retirement age will receive a full pension. However, if they did not pay these contributions without interruption or if their annual salary was less than about CHF 4,500, there will be an AHV contribution gap. This will result in lifelong pension reductions.
Further information can be found here.(https://www.ahv-iv.ch/en/Leaflets-forms/Statement-of-the-individual-account).
3a
How does a third pillar help me?
How does a third pillar help me?
With pillar 3a contributions you save for your retirement flexibly and on a tax-deferred basis. The calculation model assumes there is an employment relationship.
Further information can be found here.
Pension fund
Where can I find this value?
Where can I find this value?
You can see the exact value of your current retirement assets as of the end of the year on your pension certificate. The Vita Joint Foundation shows this value under the header «Savings capital». You can also find your prospective retirement savings capital at age 64 or 65 in your pension certificate.
Further information can be found here.
Assets
What impact do children have?
What impact do children have?
Having children is a wonderful gift. However, they usually reduce an individual’s rate of saving. By the time a child turns 20, he or she will have cost as much as CHF 200,000. Is this the case with you, or will you continue to be able to save the same amount?
If you already have children, the financial effects will already be taken into account in your monthly savings.
What expenditures are you planning?
Pension
An early withdrawal of the AHV pension is possible from 62 (woman) or 63 (man) years on at the earliest.
How is this related to my pension?
Part-time work
What impact does this have?
What impact does this have?
Reducing the working hours also affects the amount of retirement assets at your pension fund. From an annual salary of about CHF 90,000, this especially affects the portion of the loan subject to non-mandatory insurance (super mandatory part). In this case, you should select the Super mandatory part button for the calculation.
Vita Advent calendar
Test your pension knowledge
We're looking forward to the Christmas season. Are you? Open a little door every day, answer the quiz question and take part in the prize draw.