Mandatory contributions

All employees who earn between CHF 22,050 and CHF 88,200 per year pay mandatory contributions to their pension fund. All pension funds must offer identical, legally defined conditions. There is currently a minimum annual interest rate of 1.25% and a conversion rate of 6.8% (as of August 2024).

Non-mandatory contributions

However, many employers and collective labour agreements also provide for pension fund contributions on salaries above CHF 88,200 per year – these are known as non-mandatory contributions. These are not required by law and may offer better benefits to insured persons, such as in the event of death or disability. However, the conditions for non-mandatory contributions vary greatly, particularly in terms of contribution amounts, returns, insurance benefits, flexibility and costs. These differences depend on the pension fund and the selected pension plan.  

Note: Non-mandatory contributions also include two methods: the universal method and the split method. You can find another post detailing the differences between these two methods and the advantages they each offer.

Tellco pk offers pension solutions that cover all needs

Tellco pk is one of Switzerland’s leading pension funds. It is the trusted provider of more than 10,000 companies and around 100,000 insured persons. With the three pension solutions PRO, PULSE and INDIVIDUA, Tellco pk covers a range of requirements and needs.

The PRO pension solution, with an equity component of 28%, is ideal for security-conscious clients. PULSE takes it one step further with an equity component of 45% and is geared towards yield-focussed clients seeking to benefit from the long-term growth of the equity markets. INDIVIDUA is ideal for those seeking a tailor-made solution: it gives you the freedom to invest your company’s pension assets based on your own preferences.

With Tellco pk, you will find the ideal pension solution for your needs – for a worry-free financial future.

Find out more about Tellco pk pension solutions here:

Go to the pension solutions