Pension Topics Pension plan Sample calculations
Menu
Back
A man is sitting on a couch and is looking at the smartphone in his hand.

Example 1

Base salary (annual salary): CHF 90,000
Award: CHF 5,000
Total compensation: CHF 95,000

Pensionable base salary in the Pension Fund: CHF 60,600
Pensionable Award in the Pension Fund: CHF 5,000
Total pensionable compensation in the Pension Fund: CHF 65,600

For insured whose total pensionable compensation amounts to CHF 114,660 or less, all savings contributions are allocated to the pension capital pension pot.
The CHF 9,090 deducted from the pensionable salary and the pensionable Award are therefore credited to the pension capital pension pot.

Example 2

Base salary (annual salary): CHF 135,000
Award: CHF 20,000
Total compensation: CHF 155,000

Pensionable base salary in the Pension Fund: CHF 105,600
Pensionable Award in the Pension Fund: CHF 20,000
Total pensionable compensation in the Pension Fund: CHF 125,600

The pensionable base salary is below CHF 114,660. The savings contributions amounting to CHF 23,232 are therefore credited to the pension capital pension pot.

The additional pensionable Award means that the amount of CHF 114,660 is exceeded. The savings contributions deducted from the Award are allocated both to the pension capital pension pot and to the retirement capital pension pot.

They are distributed as follows: The savings contributions amounting to CHF 1,087 on the pensionable Award of CHF 9,060 are allocated to the pension capital pension pot. The savings contributions amounting to CHF 1,313 on the pensionable Award of CHF 10,940 are allocated to the retirement capital pension pot.

In total, savings contributions amounting to CHF 24,319 are allocated to the pension capital pension pot and savings contributions amounting to CHF 1,313 are allocated to the retirement capital pension pot.

Example 3

Base salary (annual salary): CHF 150,000
Award: CHF 25,000
Total compensation: CHF 175,000

Pensionable base salary in the Pension Fund: CHF 120,600
Pensionable Award in the Pension Fund: CHF 25,000
Total pensionable compensation in the Pension Fund: CHF 145,600

The pensionable base salary exceeds CHF 114,660. The savings contributions on the base salary are therefore credited both to the pension capital pension pot and to the retirement capital pension pot.

All savings contributions up to CHF 114,660 are credited to the pension capital pension pot. They amount to CHF 32,105. The savings contributions on the pensionable base salary of CHF 5,940 are allocated to the retirement capital pension pot. They amount to CHF 1,663.

The savings contributions amounting to CHF 3,000 on the pensionable Award are allocated to the retirement capital pension pot.

In total, savings contributions amounting to CHF 32,105 are allocated to the pension capital pension pot and savings contributions amounting to CHF 4,663 are allocated to the retirement capital pension pot.

Other topics

Retirement capital savings

Retirement capital savings

Read more
Pension model

Pension model

Read more
MyPension

MyPension

Read more
Back to top