The Swiss three-pillar system
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Pillar 1 – state old-age pension/disability pension/earnings compensation
The purpose of Pillar 1 is to secure livelihood in retirement, in the event of disability and incapacity to work, or after a death.
Pillar 2 – occupational pension
Pillar 2 includes occupational pensions, occupational accident insurance, daily sickness benefits insurance, and the vested benefits institutions. It's intended to enable people to maintain the standard of living they're accustomed to after retirement.
Pillar 3 – private pension
By making voluntary payments into a tied (Pillar 3a) or flexible (Pillar 3b) pension, you can close any income gaps from Pillars 1 and 2 of the Swiss pension system to the fullest extent possible.