The only thing that you can get from the whole mess (other than AI isn’t perfect) is that
You get less pension than what you’ll get if you keep working until pension, even if you have 8m wealth and you pay the same amount on AHV as if you were working. 80k salary you pay 4.5k x 2, 8m wealth you pay 9k.
So I understood.
Don’t trust AI, it’s giving you the wrong answer.
Contributions when unemployed (based on wealth) is translated into an income for purposes of calculating average salary.
I posted on this previously so you can also search my posts.
Why not just run a simulation ? This topic was discussed at length in another thread and there was also the link to the calculator there - should be easy to find through google, though
I found the answer guys: https://sozialversicherungen.admin.ch/de/d/6141/download?version=2
NE-Beiträge don‘t only count as years but also as income. It‘s basically the AHV contribution / 0.084 = income. So if you retire at 50 and have to pay 5k/year into AHV, it will count as 60k salary.
Edit: Latest version: https://sozialversicherungen.admin.ch/de/d/6141/download
IK-Eintrag im Jahr = [AHV Jahresbeitrag / 0.087 + 0.5]
But I don’t know what those + 0.5 are supposed to mean.