1e retirement capital savings will be integrated into the pension capital savings pension pot on 1 January 2027. The Board of Trustees applied for a liquidation ruling on 5 December 2025, which is now legally binding. Once the proposed transfer agreement has been examined by the ATIOZ supervisory authority, we will provide information about your options for inspecting the agreement.
For pension recipients we would like to state that the liquidation of PF 2 CSG and the subsequent transfer to PF CSG will not result in any change that impacts them: pensions in payment are guaranteed.
- 1e retirement capital savings will be integrated into pension capital savings; all assets will be transferred to the pension capital savings pot on 1 January 2027.
- The investment horizon of the 1e retirement capital savings plan is limited to november of 2026.
We therefore recommend that you check your current investment strategy. You can change it at any time on MyPension.
The pension model consists of two pension pots: Savings contributions on a gross salary subject to AHV contributions of up to CHF 160,272 flow into the pension capital savings pot; the assets accumulated there form the basis for the retirement pension. Contributions on salary components above CHF 160,272 are credited to the retirement capital savings pot; these assets are paid out as a lump sum on retirement.
In the 1e retirement capital savings plan, insured can choose to invest the assets they have accumulated in their retirement capital savings pot in one of eight investment strategies. This gives insured the opportunity to invest the corresponding pension capital in line with their individual risk tolerance and risk ability. Insured therefore assume more personal responsibility: They participate in the performance of the assets, but they also bear the associated investment risk.
1e retirement capital savings overview
- Only insured with salary components above CHF 160,272 are affected.
- Retirement benefits are paid out exclusively as a lump sum (no retirement pension).
- Individual choice of eight investment strategies with an attractive cost structure: Different investment vehicles are offered with an equity component ranging from 0% to 100% in line with the risk profile and the chosen strategy.
- Investment opportunities and risks are borne by the insured: When insured leave the Pension Fund or retire, the investment vehicles are sold. The insured take with them the generated profits – but they also bear the losses in the event of unfavorable market developments.
- The MyPension portal is used to determine the risk profile and select the investment strategy.
Investment strategies
Use the MyPension portal to determine your risk profile and then select your personal strategy from eight different investment strategies. You can change your strategy at any time in the MyPension portal.
If you do not select a strategy, your retirement capital saving assets will be invested in the Low Risk strategy.
The eight investment strategies differ in terms of equity component.
Low Risk
BVG 15
BVG 25
BVG 35
BVG 45
BVG 65 Real
BVG 75
BVG 100
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