Topics covered
- The detailed operation of the Swiss pension system and its three pillars.
- Updated amounts, conditions and benefits for 2025 (OASI, BVG, 3rd pillar).
- Rules for contributions, redemptions and early withdrawals.
- Tax benefits and optimization strategies.
Understanding the Swiss pension system
The Swiss pension system is recognized worldwide for its stability and reliability, yet it often remains difficult to understand. Between the OASI, the LPP, and the third pillar, it’s not always easy to know who pays what, how much you’ll receive, or how to properly prepare for retirement.
To answer these questions, Invexa has created "The Swiss Pension Guide": a comprehensive guide, updated for 2025, to help you understand, plan and optimize your financial future.
Three pillars, one goal
The booklet explains step by step how the Swiss retirement system works, based on the three complementary pillars:
- 1st pillar - OASI/DI/EL: The compulsory state pension scheme, based on solidarity between generations. It guarantees a minimum standard of living in the event of old age, disability or death.
- 2nd pillar - LPP/BVG: Occupational pension plans, financed by employers and employees. Its aim is to maintain the same standard of living as before retirement.
- 3rd pillar - Individual pension plans (3a and 3b): Voluntary savings to optimize your retirement, benefit from tax advantages and strengthen your financial security.
