| Year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| 39% | 32% | 29% | 29% | 30% |
Pillar 1
State pension
AHV / OASI
Mandatory state pension funded by contributions from employees, employers, and the government. Provides a basic income in retirement.
Pillar 2
Occupational pension
BVG / LPP
Employer-based pension fund. Together with Pillar 1, aims to provide around 60% of your final gross salary in retirement.
Pillar 3
Private provision
3a (tied) / 3b (flexible)
Voluntary private savings, partially tax-deductible (3a). The most flexible lever for closing the gap between Pillars 1+2 and your retirement goals.
Strengthen your Pillar 1
Optimise your Pillar 2
Maximise your Pillar 3a
Strategic planning
Sources
[1] EIU Global Liveability Index; Monocle Quality of Life Survey; Mercer Quality of Living City Ranking 2024 — Zurich #1, Geneva #3, Bern #9, Basel #10.
[2] UBS Worry Barometer, annual surveys 2021–2025.