We are facing some major challenges at the moment: the ongoing pandemic, the war in Ukraine, inflation, supply bottlenecks and fears about energy shortages with winter just around the corner. The effects are putting pressure on companies of all sizes and the occupational pension system has not been spared either. After a more or less record-breakingly good investment year in 2021, many pension funds have had to accept clear negative returns this year. However attractive high returns may be in good years – the strength of full insurance with all its guarantees is shown in times of crisis. While many autonomous and semi-autonomous pension funds are currently underfunded, we are able to offer an attractive total interest rate on retirement assets of 1.25% thanks to our security-oriented investment strategy.
And that is not all: with an AA rating from Standard & Poor’s, we are one of the best-rated insurance companies in the Swiss market. This means that we have the necessary financial strength and solid provisions to be your reliable partner at all times – in the long term and sustainably.
In times of crisis, business activity with a sustainable focus is less susceptible to disruption or failures. This is something that you as an entrepreneur are doubtless familiar with from your own practice. Sustainability – with its three dimensions of economy, environment and society – is firmly embedded in Allianz Suisse’s DNA. We are much more than just an insurer and do everything we can today for the world of the future. For that reason, and for the first time, we are making this year’s BVG News available to you in a reader-friendly online format rather than in print form. This also makes it easy for you to forward the newsletter to your employees.
We remain a bastion of stability and are confident about the future. We would be happy to assist and advise you if you have any questions – whenever you need us. Thank you for placing your trust in us and for the excellent working relationship!
Yours sincerely
Yves Barbezat
Head of Group Life
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Guaranteed interest |
Interest surplus | Total interest | |
Compulsory | 1.00 % | 0.25 % | 1.25 % |
Elective portion | 0.125 % | 1.125 % | 1.25 % |
What has changed in the AHV?
Key effects on the BVG
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Previous |
From 01.01.2023 | |
BVG eligibility treshold | 21 510 | 22 050 |
BVG maximum | 86 040 | 88 200 |
BVG coordination deduction | 25 095 | 25 725 |
Maximum insured annual BVG salary | 60 945 | 62 475 |
Minimum insured annual BVG salary | 3585 | 3675 |
The increase in the eligibility threshold may mean that insured persons with low annual salaries fall below this limit and are no longer subject to compulsory insurance.
Insurance is compulsory for annual salaries that are equal to or higher than the eligibility threshold of CHF 22 050.–. Please check whether your employees are affected by this.
Did you know that as an employer, you can influence your employees’ retirement planning? You define the amount of the savings contributions and the death and disability benefits together with your pension fund commission. There are numerous ways of enhancing occupational pension cover in the elective component, thus giving your employees better protection than the minimum level stipulated by law. Our experts will be happy to assist you in designing the best pension plan for your company. You can use the following levers, for example:
Sustainability is an integral component of our investment strategy
“The world is changing rapidly and presenting us with some major challenges. In many areas of life we need to find new solutions that will preserve the bases of our lives and those of future generations. As a company, we want to make a decisive contribution to this with our strong focus on sustainability.”
Monika Behr, Head of Life at Allianz Suisse
Did you know that…
*EDGE is the world’s leading rating method and the certification standard for gender equality in the workplace.
**a globally recognised sustainability index
How Allianz does its bit to increase sustainability
Sustainability: an integral component of our investment processes.
Environmental performance: our goal is to achieve net zero emissions in our business operations by 2030.
Equal pensions: we do educational work in the area of pensions – everyone in Switzerland should receive a fair pension.
Aid for Ukraine: we support customers who have taken in refugees.
Diversity: we promote equality irrespective of gender, sexual orientation and gender identity.
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