The three-pillar system

The three-pillar system of retirement provision

Pensions in Switzerland are based on the 3-pillars concept, providing financial security in retirement.

Pillar 1 - State pension provision

The intention of pillar 1 is to protect against falling below the poverty line, which means that the pension should cover the minimum necessary living costs. Pillar 1 comprises old-age and survivors' insurance (OASI), disability insurance (DI) and the income replacement ordinance (EO).

Pillar 2 - Occupational pension provision

Pillar 2, occupational pension provision (BVG), safeguards the standard of living that you are accustomed to. The occupational pension provision is funded by contributions from employees and employers, at least in equal parts, although the employer may voluntarily opt to contribute more.

Pillar 3 - Private pension provision

The pension assets from pillar 3 (3a and 3b) serve to cover any pension shortfall. They are intended to fund the realization of dreams and wishes after retirement. Around 60% of the income during retirement comes from pillars 1 and 2 and around 40% from pillar 3.

Staff orientation with Vita Mobil

Vita stands for a simple, secure and clear occupational retirement provision. During our staff information sessions, our pension experts pay you a visit and inform your staff about the essential features of social security schemes.

Vita in comparison

Industry comparison

We will show you which pension coverage competitors of a comparable size offer their employees using an industry sector comparison.

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