Professional provision in Switzerland: a comprehensive overview

Professional provision in Switzerland: a comprehensive overview

Professional provision, also known as BVG, is a central element of the Swiss social system and complements the state old-age and left-wing insurance (AHV). It is an essential part of the three-pillar principle that ensures the social security of the population.

The three-pillar system

The Swiss pension system is based on three pillars:

1. First pillar (state provision): The AHV/IV covers the basic needs and ensures that pensioners receive a subsistence level.
2. Second pillar (professional provision - BVG): This pillar aims to secure the standard of living in old age and complement the pension of the first pillar.
3. third column (private provision): These are voluntary pension products that can be completed individually to additionally improve the pension.

meaning of professional pension (BVG)

The BVG is mandatory for all employees in Switzerland who earn an annual income above a certain limit. This limit is determined by the so -called coordination deduction , which calculates the coordinated income and thus sets the contribution to the BVG. The coordination deduction is a central aspect of professional precaution and directly influences the amount of the pension that a retired employee receives.

More information about the coordination deduction can be found on the page Swiss Serenity .

The role of Swiss Serenity

Swiss Serenity offers comprehensive services in the field of professional provision. The company supports its customers in making their pension optimally by developing tailor -made solutions for individual needs. The SWISS Serenity experts not only advise you on the coordination deduction, but also help you to optimize your pension strategy so that you are financially secured in retirement.

an essential component

Professional pension is an essential part of old -age provision in Switzerland. Through careful planning and advice, for example by the experts from Swiss Serenity, you can make sure that you can maintain the desired standard of living in old age. In particular, the coordination deduction plays a crucial role here, since it determines the amount of your contributions and thus your future pension.