From 2027, our pension fund regulations will offer you even more options for shaping your future pension.
It is important to us that insured members are able to adapt their retirement benefits as closely as possible to their needs. That is why we have introduced even more options for shaping future pensions from 2027 onwards.
The most important changes in the Pension Fund Regulations 2027 that are relevant for insured persons:
Determine the amount of your retirement pension and the pension of your partner
If you want to receive your retirement assets as a pension, you can now choose how much your own pension and the pension of your spouse or partner should be after your death. As a general rule, the higher your own pension, the lower the pension for the surviving person.
You have the following options:
- Variant “30”: Your own retirement pension will be higher (increased conversion rate). After your death, your spouse’s or partner’s pension is 30 per cent of your retirement pension. You can only choose this option if the BVG share is not more than 44 per cent of your retirement assets. For CHF 100’000 retirement assets, this is a maximum of CHF 44’000.
- Variant “100”: Your own retirement pension is lower (reduced conversion rate). After your death, your spouse’s or partner’s pension is 100 per cent of your retirement pension. You can only choose this option if the BVG share is not more than 69 per cent of your retirement assets. For CHF 100’000 retirement assets, this is a maximum of CHF 69’000.
- No option: The standard variant in accordance with the Pension Fund Regulations applies. Your spouse’s or partner’s pension is 60 per cent of your retirement pension, unless otherwise stipulated in the pension plan. Your retirement pension will be calculated according to the normal conversion rate.
Important for a life partnership: A partner’s pension will only be paid out if the conditions laid down in Article 27 of the Pension Fund Regulations are met. In particular, you must register your partner with Profond during your lifetime.
Early retirement: Lump sum from the account for early retirement (ER account)
When you retire early, your retirement pension is usually lower. If you have exhausted your regular purchase options, you can offset the pension reduction in whole or in part with additional purchases. Profond will calculate the maximum possible purchase amount for you on request.
You now have the choice at retirement: You can withdraw the additional saved assets in the ER account as a retirement pension or as a lump sum.
Clarification on the continuation of the insured salary in the event of a temporary reduction in working hours
Since last year, you have been able continue your previous insured salary during a temporary reduction in your working hours for up to two years. From 1 January 2027, the continuation will start at the earliest in the month following the notification. For example, if you notify us of your request in April, the continuation can begin in May.