Work & family · Jurisdiction CH

AHV, BVG, Pillar 3 (Switzerland)

This is Swiss federal structure, not German Riester/bAV and not UK auto-enrolment. Swiss retirement provision has three pillars: AHV (state), BVG (occupational), Pillar 3 (private). Finmon does not rank the pillars and recommends no product.

In more detail

Pillar 1: AHV/IV on a pay-as-you-go basis aims to cover basic subsistence; supplementary benefits may add on. Pillar 2: occupational BVG on a funded basis, compulsory for employees above an entry threshold. Pillar 3: private provision, split into tied 3a (tax-accompanied, restricted access) and free 3b. The layers complement each other as structure, not as a Finmon savings plan.

Background

Contribution rates, the entry threshold, the conversion rate and the 3a ceiling change and belong on BSV/ESTV pages with a date. Finmon does not compute them and does not tell you to “max 3a”. The self-employed are not automatically in compulsory second-pillar cover. A German three-layer tax story or a UK workplace pension must not be dropped in here.

An example

You take a Swiss job above the BVG threshold. Educational point: AHV contributions plus a pension fund as structure. Finmon does not pick a fund and does not compute a pension.

A common misconception

The three pillars are a universal savings product that Finmon explains the same way for every country.

AHV, BVG and Pillar 3 are Swiss structure. Finmon shows the frame and does not compute provision.

Source: BSV · Dreisäulensystem. Last reviewed: 2026-10-31. Editorially reviewed on 2026-10-31. Next review 2027-10-31. Version 0.2.0. Finmon explains. It does not advise. Not investment, tax or legal advice.