{"id":1854,"date":"2025-05-27T08:04:46","date_gmt":"2025-05-27T08:04:46","guid":{"rendered":"http:\/\/invexa.ch\/?p=1854"},"modified":"2026-03-27T07:08:28","modified_gmt":"2026-03-27T07:08:28","slug":"prevoyance-independants-comment-optimiser-votre-couverture","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/provident-scheme-for-self-employed-workers-how-to-optimize-your-coverage\/","title":{"rendered":"Self-employed: How to Optimize your Pension Coverage?"},"content":{"rendered":"
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Are the self-employed well covered by the Swiss system?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Switzerland\u2019s pension system is built on the well-known structure of the three pillars<\/a><\/strong>, designed to ensure a decent standard of living after retirement and in times of hardship. While this system is well understood by employees, self-employed individuals are only covered by and contribute to the first pillar (AVS\/AI\/PC).<\/p>

Fortunately, there are ways to optimize this coverage and ultimately achieve a level of financial comfort equal to\u2014or even greater than\u2014that of salaried workers. But it requires a solid understanding of the rules in place, the available tax advantages, and the common pitfalls to avoid. By combining state pension provision (1st pillar)<\/a><\/strong>, voluntary participation in the 2nd pillar, and smart use of the 3rd pillar A or B<\/a><\/strong>, it\u2019s possible to build a personalized strategy aligned with your risk profile and long-term goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Understanding the pillars of pension provision<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1st pillar: compulsory basis (AHV\/AI\/APG)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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As a self-employed individual, you are required to contribute to the 1st pillar, which includes AHV (Old-Age and Survivors Insurance), AI (Disability Insurance), and APG (Income Compensation Allowances). These insurances cover basic needs<\/strong> in the event of retirement, disability, or specific family situations (such as maternity leave or military service).<\/p>

Affiliation to the AHV is mandatory from the start of your self-employed activity, and the contribution rate is 10% of net income<\/strong>, with a reduced scale for annual incomes below CHF 58,800<\/strong> (as of 2025). These contributions are deductible from taxable income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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OASI 2025 figures<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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