Retirement plan including AHV and pension fund

That‘s not how it works. You need to pay based on your wealth and can‘t just chose to pay the minimum. I think it‘s 0.4% of your wealth. So 4k per million. That equals to about 40k of yearly income (AHV roughly 10%). If you paid AHV on 130k (85k for max AHV pension + an extra 45k) for 15 years and then 15 years based on your wealth you still end up at the max.


Does the 2 years depends? The questions of cortana is already answered (see above).

Well considering that you were quoting his post and that the comment was showing that you did not actually take the time to read the thread… everything is explained in a pretty clear and detailed way along it

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That’s what I said…we mean the same;-) You have to pay 44 years based on your income - which needs to be at least 85’000 CHF per year over 44 years to get the full AHV rental amount.
If you earn more that 85K you pay more on the AHV - but the bases is always 85K p.a. (so that the people who pays more and for the other people - what is the so called “social-engagement” - but they get not more AHV). I said clearly: The average amount of 85K over 44 years (and you need to earn a lot of years over 85K to make this happen… a view % of the total workers in Switzerland reach this target).

So all good…:wink:

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Ok, didn‘t quite get that. All good then. Most here on this forum don‘t really calculate with the AHV and look at it as a bonus if it‘s still around by the time we hit official retirement age, whenever that may be. Probably 70 for people born in the 90‘

Jo easy. Whas same to me i thought a long time until i get 40 that i will get the full amount of AHV until i get 65… until i make i “Pre-Calculation” over the AHV. The first time i read the AHV-story and make some thoughts about it until i get the result… whas “shocked” and be honest… this can not be the case that the most of the people who are working 44 years can not be finance the retirement. My opinion but looking to Germany where “Altersarmut” is raising more and more … for Switzerland this is a catastrophe.

If I read the official statistics correctly, 43% of current retirees have the maximum pension. A lot of them are probably capped as couple at the 150% ‘Plafonierung’.

You may yet catch up. :slightly_smiling_face:

Just to be clear: you don’t have to actually work for 44 years to get the maximum of 2’390.- per month. Years are still counted if you pay the required minimum (500.- or more depending on your wealth in your tax declaration).

So in theory you could work for 20 years, earn 3.8 million in total salary and then pay the required amount each year for the following 24 years. 3800k / 44 = 86.4k → max. AHV rent.


You know? You all reopened this thread but made it a bit confusing imho.
If the calculated amount on which you pay the AHV is more than 85k, do you compensate the years where you pay less? Intuitively I’d say yes, since 99% of the people don’t get that amount the first years (18-25yo). For the Ticinesi even more…

@syndroma says no. You don’t get more.

Seems to mean the opposite.

But my doubts come from the fact that people don’t make that much when very young, but still there are many that get the max, so I suppose it does compensate.

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Yes, they do an average of your annual income and they can even add a bonus for when you have young children but I don’t remember how the bonus works

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Exactly, that‘s why it‘s the average. Otherwise no one would reach the max AHV pension.

Over the age of 40 you can ask for a free pre-calculation:

It would be better to have a formula or calculation, so I can plan when it’s optimal to stop working. I don’t plan to have several millions only to raise my ahv rate to normal.

Interesting the calculation of Cortana. If I got paid 3.8 millions during my career, I’ll have it.
So I can probably see the difference between my planned years’ total salary and see how the missing part could be calculated with the ahv paid from wealth.

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I have done that in my convoluted ‘spreadsheet of everything’. It took me the better part of a weekend and I’m still not sure how accurate it is… It’s surprisingly difficult to get all details right when you mix in a marriage and a few years abroad (some within EU with pro-rata benefit, some outside EU but mostly compensated with ‘youth years’).

I like to think that 95% accuracy is sufficient to make some decisions, the bigger risk seems to be that the 1st pillar will look differently anyway by the time I hit 65.

I did use this tool from the AHV to calculate my expected rent in different situations. You can even adjust expected income for every year in the future.


The link to the calculator was provided at the beginning of the thread (post n° 11).


True, of course. The beauty of coding it into a spreadsheet was to quickly run a few scenarios / use the solver add-in to optimize to some parameters.

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Oops, I must have overlooked it. My Bad

One question here is how do you define “compounding income”? If one is single, that is certainly the case, but what if one is married? For instance, if I make 200k a year and my spouse only 50k, half of my income is accounted to my wife and half of hers is accounted to me. In that case, my income (AHV contributions-wise) would only be 125k (but 200k)!?

The main risk I see to under-funded social security schemes is that as financial pressure mounts, they look for ways to cut costs: one that will be detrimental to many of us if they introduce ‘means-testing’ to get AHV benefits.

e.g. you get no AHV if you have assets over a threshold or income over a threshold.