One of the two biggest factors in determing you pension is time - the earlier you start the more it will be worth. Most Swiss people start contributing to the pension at 25, where as I guess you only started some time after your 40th birthday and this makes all the difference. The same also applies to the state pension - start late means a lower AHV pension as well

Given you age and the area you work in (from your profile) I would expect that if you had started at 25, your pension by now would projected as about CHF6,000 plus per month, assuming that the company you work for has a reasonable pension fund.

Assuming that you started contributing late to the Swiss pension fund, then you still have the option of buying in the missing years - the pension statement should also indicate this. You should do this as early as possible because the earlier you do so the cheaper it is -- the time factor again. These additional contributions come of your gross salary, so you also get a tax break. Assuming an effective tax rate of 20%, as CHF20,000 contribution will actually cost you CHF16,000 and so on.

One other thing to check out is your disability pension situation. Is it enough? If not you may need to beef it up with some kind of insurance.

Best Regards,

Jim.