Early retirement

You can choose to take early retirement from the age of 58. You can either take full early retirement (100%) or partial retirement (eg 20%).

In the event of partial retirement, full retirement must be achieved in no more than three stages (see "Partial retirement").

The projected retirement pension is calculated based on the retirement savings in the Pension Plan and the ER Account at the time of early retirement and the conversion rate valid at that point in time for the insured's age of retirement, year of birth and selected level of survivors’ benefits.

Start the simulation tool in MySwissrePension to calculate your projected retirement pension at various retirement ages. 

The maximum retirement savings capital used to finance the pension is capped at CHF 4 000 000. Any excess portion of retirement savings capital will be paid out as a lump sum.

On voluntary early retirement, the savings capital in the Capital Plan or the value of the fund units, whichever is higher, automatically becomes due for payment.

If you take voluntary early partial retirement your savings capital will be paid out according to the degree of retirement, the rest will remain in the Capital Plan until you take full retirement.

If part of the savings capital in the Pension Plan and ER Account is to be drawn as a lump sum on retirement, no more than two partial retirement stages are allowed, with the second stage representing full retirement.

Supplementary pension

In case of voluntary partial retirement, the supplementary pension must as a rule be financed by the insured. Insureds can finance a supplementary pension by means of contributions to the ER account or by choosing a lifelong reduction of their retirement pension.