Following questions may arise once you are thinking of your retirement, leaving your employer or even leaving Switzerland: Which is the exact amount of my to date funds (vested benefits 2nd pillar)? What's the distinction between "obligatory part" and "over-obligatory part" in my concrete case? What's the difference between my gross salary and the "insured salary"? Why is there a deduction between the two? Does my spouse get a rent or a lump sum in case of my decease and if s