In order to get more confused I asked copilot about AHV.
This is the weird part :
A key point that is often misunderstood
The AHV pension depends on two factors:
- Length of contribution period (maximum 44 years)
- Revalued average annual income (average of lifetime earnings)
It does NOT depend on contributions paid whilst not in employment.
Paying CHF 500 or CHF 5,000 whilst not in employment does not affect the pension.
my part:
So if you have a salary of 80k chf at 25 and you stop working, you pay for 40 years AHV and go to pension like someone who worked for the whole life at that salary.