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14.05.2019, 22:49
|  | Forum Veteran | | Join Date: May 2009 Location: Pfäffikon SZ
Posts: 1,978
Groaned at 17 Times in 16 Posts
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| | | Re: Pension calculation
| Quote: | |  | | | Thanks for this. I just used the calculator and got the bad news  after filling in details for myself and my wife. It's given me estimates for:
- First pension: commences the month after my 65th birthday and continues until the month of my wife's 64th birthday, when it is replaced by:
- Second pension: commences the month after my wife's 64th birthday, with one pension for me and one for her, but both pensions are capped because "the sum of two individual pensions of a couple may not exceed 150% of the maximum individual pension". WTF??!?! I mean, I knew about the income tax discrimination with regard to married couples, but pensions, as well? I don't see our pension contributions being capped...!
Does this mean that two people who do not marry, but live together, would receive their full, individual pensions for the rest of their lives while the married couple next door gets screwed? | | | | | Genau. And as we both work, we pay less tax than if we were married too  |
15.05.2019, 00:46
|  | All mod cons | | Join Date: Jul 2009 Location: Basel-Land
Posts: 9,149
Groaned at 290 Times in 229 Posts
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| | | Re: Pension calculation
| Quote: | | | | | Genau. And as we both work, we pay less tax than if we were married too | | | | | Yeah, cheers. I'm getting divorced the day before I retire. But at least I'll make it to that age -- it's been proven that married men are happier and live longer than their single brethren.  | | This user would like to thank 22 yards for this useful post: | |
15.05.2019, 07:05
| | Banned | | Join Date: Oct 2007 Location: CH
Posts: 10,918
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| | | Re: Pension calculation
| Quote: | | | | | Hi,
I have a question regarding pension please.
How much would approximately a married person who worked in Switzerland for 25 years before retiring with a salary of 6000 CHF/month get as a pension /month ?
How much extra can I pay in the second pillar so I can increase my pension ?
Thank you.
With kind regards | | | | | Don't worry about that. The pension system is in the collapsing phase and will be broke in a few years
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15.05.2019, 11:10
|  | Forum Legend | | Join Date: Nov 2007 Location: Zurich area
Posts: 12,786
Groaned at 99 Times in 88 Posts
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| | | Re: Pension calculation
| Quote: | | | | | Does this mean that two people who do not marry, but live together, would receive their full, individual pensions for the rest of their lives while the married couple next door gets screwed? | | | | | | Quote: | | | | | Genau. And as we both work, we pay less tax than if we were married too | | | | | Biggest difference comes when one of the partners has an untimely meeting a the pearly gates / kicks the bucket. That is when the H-part of the AHV comes into play and inheritance tax (save canton SZ) makes a big impact. Also consider the difference when there is no will.
Last edited by aSwissInTheUS; 15.05.2019 at 11:28.
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16.05.2019, 21:45
| | Forum Veteran | | Join Date: May 2017 Location: Zurich
Posts: 766
Groaned at 67 Times in 44 Posts
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| | | Re: Pension calculation
If you want to receive a statement from the AHV regarding your current account/situation, here is the link to request a statement: (Note: you need to click your canton of residence). https://www.ahv-iv.ch/en/Leaflets-fo...nt/Switzerland | | The following 2 users would like to thank terrifisch for this useful post: | |
24.09.2019, 15:16
| | Forum Veteran | | Join Date: Nov 2011 Location: Zurich
Posts: 822
Groaned at 16 Times in 14 Posts
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| | | Re: Pension calculation
| Quote: | | | | | Biggest difference comes when one of the partners has an untimely meeting a the pearly gates / kicks the bucket. That is when the H-part of the AHV comes into play and inheritance tax (save canton SZ) makes a big impact. Also consider the difference when there is no will. | | | | | Never heard/thought of the inheritance tax between spouses. Do you know/have a link for simple explanation of the rules?
How is no will affecting the situation?
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24.09.2019, 15:41
| | Forum Legend | | Join Date: Nov 2007 Location: Zurich area
Posts: 12,786
Groaned at 99 Times in 88 Posts
Thanked 19,577 Times in 8,681 Posts
| | | Re: Pension calculation
| Quote: | | | | | Never heard/thought of the inheritance tax between spouses. Do you know/have a link for simple explanation of the rules?
How is no will affecting the situation? | | | | | No inheritance tax between married spouses.
Potential inheritance tax between non-married partners. https://www.credit-suisse.com/media/...tabelle-en.pdf | | This user would like to thank aSwissInTheUS for this useful post: | |
24.09.2019, 15:50
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
Posts: 20,342
Groaned at 429 Times in 320 Posts
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| | | Re: Pension calculation
| Quote: | | | | | How much the employer pays normally ? | | | | | Depends on age but 6% is common, however they only have to pay this on a slice of salary by law.
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24.09.2019, 17:06
| | Forum Legend | | Join Date: Oct 2014 Location: Steinach SG
Posts: 8,493
Groaned at 415 Times in 312 Posts
Thanked 11,081 Times in 5,830 Posts
| | | Re: Pension calculation
| Quote: | | | | | | | | | | Provided you're allowed to bequeath what you intend to in the first place, having relatives can severly restrict how much can be distributed freely. Those restrictions can be bypassed when married.
| | This user would like to thank Urs Max for this useful post: | |
09.10.2019, 16:01
| | Banned | | Join Date: Oct 2007 Location: CH
Posts: 10,918
Groaned at 2,041 Times in 1,124 Posts
Thanked 5,139 Times in 3,246 Posts
| | | Re: Pension calculation
Tighten the belt!
"Most people are likely to be aware of this today: After retirement, they will have to make do with ever-lower benefits from the AHV and the Pension Fund - measured by their most recent income from work. Experts speak of the growing gap in benefits. But how big this gap will be and what that promises for the retired, about which only a few have an idea." https://www.tagesanzeiger.ch/wirtsch...story/17200333 | |
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