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Sample calculations

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 61,320
Pensionable Award in the Pension Fund: CHF 5,000
Total pensionable compensation in the Pension Fund: CHF 66,320

For insured whose total pensionable compensation amounts to CHF 100,380 or less, all savings contributions are allocated to the pension capital pension pot. The CHF 9,798 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 120,000
Award: CHF 15,000
Total compensation: CHF 135,000

Pensionable base salary in the Pension Fund: CHF 91,320
Pensionable Award in the Pension Fund: CHF 15,000
Total pensionable compensation in the Pension Fund: CHF 106,320

The pensionable base salary is below CHF 100,380. The savings contributions amounting to CHF 20,090 are therefore credited to the pension capital pension pot.

The additional pensionable Award means that the amount of CHF 100,380 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 713 on the pensionable Award of CHF 5,940 are allocated to the retirement capital pension pot.

In total, savings contributions amounting to CHF 21,048 are allocated to the pension capital pension pot and savings contributions amounting to CHF 713 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 121,320
Pensionable Award in the Pension Fund: CHF 25,000
Total pensionable compensation in the Pension Fund: CHF 146,320

The pensionable base salary exceeds CHF 100,380. 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 100,380 are credited to the pension capital pension pot. They amount to CHF 28,106. The savings contributions on the pensionable base salary of CHF 20,940 are allocated to the retirement capital pension pot. They amount to CHF 5,863.

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 28,106 are allocated to the pension capital pension pot and savings contributions amounting to CHF 8,863 are allocated to the retirement capital pension pot.

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