Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" There is some great information on this forum regarding Swiss pensions, but I have what I think is a simple question, that I just can't find the answer to. What percentage of my BVG contributions (total  ie employer and employee) goes into to my "pension pot"? Currently I do not see myself retiring here in Switzerland, so my long term plan is to take my "pension pot" to a non EU country... and errr... well, spend it. As I understand it, the number that matters is displayed on my pension certificate as "Withdrawal benefit pursuant to Art. 15 FZG (Federal Law on Vesting in Pension Plans)". But I cant reconcile this number to amount I have contributed. Does anyone have any information on this? Do different pension providers channel a higher percentage into the pot? 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" All of it (employee + employer). Tom 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Quote:
The amount you will be paid is the amount you and your employers have paid over the past years (incl. interest), plus other vested pension benefits which you received e.g. through divorce or voluntary payments (incl. interest), minus money you have had paid out to you or a past spouse already due to divorce, for property payment or for an early retirement. Source HTH 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" There is an insurance element in the contributions which is not refundable to you. In my case, but maybe it is not always the case, the employer paid it all, about 2.6% of the insured salary. 
Thanks for replies. Perhaps I didn't explain my question well enough, but I still don't have the answer to my question. Perhaps this is just my pension, but even in my pension certificate I have the numbers that show not 100% of my contributions go into my savings (what I think of as my pension pot). This is what I have in my yearly certificate (sorry for my use of algebra): Financing Total premium   Annual Premium x CHFs Of which, savings premium y CHFs The y value is about 86% of the x value. Or put another way 14% of my contributions are not going to my savings. I presume they are taken by my pension company for services or insurances. Is this normal? Or has my company set up a questionable pension scheme? Thanks me.anon thats what I was trying to get at. So the 14% I am paying looks to be VERY high! 
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Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Quote:

Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Your risk contributions don't go into your pension pot. Typically, a percentage of your salary is taken to go into your savings and a smaller part for "risk" i.e. In case of death or disability to cover the related benefits to be paid out. 
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Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" What percentage of BVG and AHV contributions one gets back if permanently moves out of Switzerland to nonEU Country ? 
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Hi, I am still trying to make sense of these. Who / what determines the % to pay against the insured salary? I understand that there is the BVG salary, and the full amount on salary to be insured can be higher than this. I imagine that in your case, that % figure is 19% based on what you wrote, but is this level determined by the regulations or you? Assuming 19% is indeed the level elected / prescribed, and if you were to go by what is stipulated as a minimum by regulations, is the employer paying half of that 19%? 
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Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Quote:
The amount that an employer chooses  is that a % on the BVG (as a minimum) as opposed to the full insured salary? 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" In my case, the employer's contribution to my pension fund was fixed according to an age related scale ranging from zero percent of the insured salary (for workers under 22 years old) to 13.0 % (for workers of 55 or over). The insurance element was 2.65% of the insured salary (not age dependent) and was paid wholly by the employer. My own contribution was also age dependent and I could also chose between a standard, plus and extra contribution level (e.g. for a 55 year old could chose 9.5%, 11.0% or 19%). This should all be described in the rules of your pension fund and you should get an annual statement explaining what has been saved on your behalf. The insured salary, in my case, was 100% of my salary. 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Quote:
Why not just say what your employer is offering to pay & cut out the run around! 
Re: Pension  What percentage of my BVG (Pillar 2) payments go into my "pension pot" Quote:
Hi me.anon, I can see a number of variables here: 1) The insured salary amount, which may or may not differ from the entire salary amount. 2) You own contribution, which has a set of agedependentpredetermined tiers, from which you select one. 3) The employer's contribution, which is prescribed and tiered depending on age  and this is applied against the insured salary amount, which in your case is the entirety of your salary. 4) All of the above is fine, provided the employer meets the minimum stipulated by regulations i.e. employer contributes an amount at least equal to the employee's contribution on the BVG salary, and the employer contribution here is above and beyond that required for UVG. Have I got it correct, now? 
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I only have contract offers on the table at present. A permie offer is likely on the way. This line of questions is to help me understand how benefits are quantified so as to help with the comparison tests eventually, when I have to choose between the two. For now, it helps me understand what an approximate permie remuneration equivalent could look like. 
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2) correct. 3) correct. 4) I'm not sure I fully understand what you are getting at here. In principle, the law specifies minimum contributions (employee/employer). Important for you is what your pension scheme specifies, and this will be defined in the rules "Ger: Reglement" of which you should obtain a copy. 
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