Affiliation with the pension fund of the Swiss Pharmacists Association
Since February 2023, members of the Swiss Association for Permanent Make-up Professionals have had the opportunity to join the pension fund of the Swiss Pharmacists Association.
Switzerland’s pension system is based on three pillars:
The first pillar ensures basic financial security in old age, in the event of disability, or after death.
The second pillar is designed to maintain your accustomed standard of living in retirement or provide for your family in the event of disability or death.
The third pillar helps to close any income gaps in retirement through personal savings.
The three-pillar system is effective only when all three pillars work together. The earlier you begin your personal retirement planning, the greater the impact it can have on your future.
What are the benefits of joining the pension fund?
- Personal Consultation On-Site
- Individual and flexible plan design
- Entry threshold possible below CHF 22,050
- Half of your pension fund contributions can be deducted from your AHV-liable income
- Low and age-independent risk premiums for death and disability coverage
- Voluntary personal contributions are paid out to survivors as additional death benefits
- Free choice at retirement between a lifelong pension or a one-time lump-sum payment
- Unrestricted transfer of vested benefits capital
- Equal interest on both mandatory and supplementary pension capital
Would you like to learn more about occupational pension plans or are you interested in a non-binding consultation?
Please don’t hesitate to contact me.
Best regards
Antonella Laino
Certified Pension Specialist
+4179 908 94 85
antonella.laino@pksav.ch
www.pksav.ch
