Q&A pension fund / retirement options
Updated: Mar 4
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 so which would be the exact amount?
What does the so called "conversion rate" (Umwandlungssatz) mean for my annuity rent?
Which amount p.e. would I receive as an annuity rent, i.e. retiring at age 60-65?
For further advice & recommendations related to early retirement, pay-out options, taxes etc. pls fill out the contact form on MMAS!