Normal retirement

Both men and women take ordinary retirement and receive a monthly retirement pension when they turn 65.

It is not possible to provide exact details of how much retirement pension you will receive as it can only be calculated on the basis of your actual retirement savings in the Pension Plan and the ER Account at retirement, your year of birth, the option for the spouse's pension you have selected and the applicable conversion rate.

The maximum savings capital used to finance the pension is capped at CHF 4 000 000 for any age, year of birth and the option for the spouse's pension selected. The portion of insureds' savings capital in excess of this amount will be paid out as a once-off lump sum. 

You can find the amount on your pension benefits statement.

Insured persons have the option of withdrawing the existing retirement savings capital in the pension plan and ER account or a part thereof in the form of capital instead of in the form of a pension.

In the Capital Plan, the savings capital or value of the fund units, whichever is higher, automatically becomes due for payment on regular retirement.

Please note that you need to inform us of your selection of a lump-sum withdrawal and of the level of survivors' benefits no later than two months before your retirement.