Grade 1
Mandatory minimum
- Savings on the coordinated BVG salary
- 7 – 18 % savings contribution depending on age, split equally
- Lowest salary deductions – maximum net pay today
Topic · Occupational pension fund (BVG)
The pension fund that puts your assets to work.
Your 2nd pillar is with Profond – regularly at the top of the pension fund comparisons by SonntagsZeitung, Finanz und Wirtschaft and BILANZ. In 2024, retirement assets earned 8 % interest. The statutory minimum rate was 1.25 %.
8 %
Interest 2024
Credited to your retirement assets
9.6 %
Total return 2024
Investment result of the fund
3.65 %
Avg. interest 2020–2024
Top of the national ranking
4.6 %
Avg. investment return 2020–2024
Five years, across all market phases
Three packages
Grade 1, 4 or 9. You decide how much you save.
From the statutory minimum to a 20 % savings contribution on the full salary – fully funded by the employer. The fund stays the same: Profond.
Grade 4
Savings on the full salary
- No coordination deduction – the full gross salary is insured
- Up to 20 % savings contribution, split equally
- For salaries above the BVG maximum of CHF 90'720
Grade 9
Most comprehensive cover20 % on the full salary. Paid by the employer.
- No deduction for savings, risk or administration on your payslip
- Highest risk benefits: 60 % disability pension, 200 % lump-sum death benefit
- Daily sickness benefits 90 % instead of 80 %, private hospital ward
Savings contribution in % of the insured salary, per age group | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Coordinated BVG salary, part-time taken into account | Full annual gross salary | Full annual gross salary |
| 20 – 24 years | 0 % – | 0 % – | 0 % – |
| 25 – 30 years | 7 % 3.5 % you · 3.5 % RM | 6 % 3 % you · 3 % RM | 6 % 0 % you · 6 % RM |
| 31 – 34 years | 7 % 3.5 % you · 3.5 % RM | 20 % 10 % you · 10 % RM | 20 % 0 % you · 20 % RM |
| 35 – 44 years | 10 % 5 % you · 5 % RM | 20 % 10 % you · 10 % RM | 20 % 0 % you · 20 % RM |
| 45 – 54 years | 15 % 7.5 % you · 7.5 % RM | 20 % 10 % you · 10 % RM | 20 % 0 % you · 20 % RM |
| 55 – 65 years | 18 % 9 % you · 9 % RM | 20 % 10 % you · 10 % RM | 20 % 0 % you · 20 % RM |
| Risk & administration | 1.2 % 0.60 % you · 0.60 % RM | 1.8 % 0.90 % you · 0.90 % RM | 1.8 % 0 % you · 1.8 % RM |
2025: mandatory insured salary at 100 % a maximum of CHF 90'720 per year, coordination deduction CHF 26'460 – maximum coordinated salary CHF 64'260 per year or CHF 5'355 per month. The salary calculator always shows your insured salary. Grade 4 and 9 are not age-dependent from age 31.
Risk insurance
Covered when it matters.
Disability and death are insured in every package. With us, the premium for this is a flat rate, independent of age: 0.60 % per side in Grade 1, 0.90 % per side in Grade 4, and in Grade 9 1.8 % of the full gross salary, paid entirely by the employer – significantly lower than with many competitors who hide savings, risk and administration in a single age-based percentage.
Risk benefits in % of the insured annual salary | Grade 1 | Grade 4 | Grade 9 |
|---|---|---|---|
| Insured salary | Coordinated BVG salary, part-time taken into account | Coordinated BVG salary, part-time not taken into account | Full annual gross salary |
| Disability pension | 40 % | 40 % | 60 % |
| Disabled person's child pension | 8 % | 8 % | 15 % |
| Spouse's pension | 24 % | 24 % | 40 % |
| Orphan's pension | 8 % | 8 % | 15 % |
| Additional lump-sum death benefit | – | – | 200 % one-off |
Compare before you sign. We itemise the savings contribution separately from risk and administration. With providers using consolidated age-based percentages, the cost difference for the same benefits can exceed 1 % of the insured salary.
Good to know
From joining to retirement.
Contribution obligation
From the fourth month of assignment and an annual salary subject to AHV (old-age and survivors' insurance) above CHF 22'680. We register you with Profond – you need do nothing.
Transferring existing assets
You pay vested benefits from previous employment into Profond. You generate the payment slip yourself in the Profond portal.
Profond portal
After joining, you receive your access code by post. You can see at any time what has been paid in for you.
Contribution statement for your taxes
Available for download in the portal every year – for your tax return in any canton.
Expected and actual salary
You are registered on the basis of your expected salary. At the end of the assignment or the year, we correct it to the actual salary.
Marital status
Please report marriage or divorce immediately – survivors' pension and pension equalisation depend on it.
Working beyond the reference age
If you keep working, you keep contributing and defer your pension – up to age 70.
Leaving
Your termination benefit goes to your new employer's fund or to a vested benefits account. You report the payment address directly to Profond.
Which package suits you?
The salary calculator shows your insured salary, savings contribution and net pay live for Grade 1, 4 and 9. Or ask your payroll specialist directly.