Partial retirement

The Pension Fund offers you the flexibility of taking retirement between the ages of 58 and 70. Partial retirement with a corresponding reduction in the degree of employment is possible from the age of 58. The following must apply:

• Partial retirement must be taken in no more than three steps, the third step being full retirement. 
• The employment degree must be reduced by at least 10% (based on a full‑time position) at each retirement step. The remaining employment degree must amount to at least 20% of a full‑time workload.
• At each stage of partial retirement, the choices are a pension or a lump-sum payment or a combination of both. 

• The amount of the prospective spouse’s pension granted at the first partial‑retirement step, pursuant to Art 24 para 4, may not be modified in any of the subsequent partial‑retirement steps.

• The maximum savings capital in the Pension Plan and the ER Account that can be used to finance the pension  is CHF 4 000 000. 

Please note that you cannot increase the remaining employment level again in case of a partial retirement. Some cantonal tax authorities stipulate minimum steps of more than 10%. We therefore recommend that you check with your tax authorities before taking partial retirement.

The simulation tool in MySwissRePension lets you calculate your prospective prorated retirement benefits for different degrees of partial retirement.

AHV bridging pension