13. AHV. Pension

That must be of a great relief to office dwellers and other types of white collar dorks and desk jockeys in their forties. :slight_smile:

How do you find this sad state of affairs btw? It would be interesting to see the average pensions of these guys (with all the pillars involved naturally) and maybe understand why they don’t get pilar I’s yields until they reach 65. 'cause now it doesn’t look like they can retire at 60 to me.

I don’t know but seeing as TIS I would imagine they have something in their collective agreement that covers it.

The ones I know have taken lighter part-time jobs until the AHV arrives

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Must be the only over-50s that can actually find work.

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So they can’t actually retire at 60
:wink: It is funny you actually proved my point. :slight_smile:

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Meanwhile in parlament:

“The National Council wants to abolish the child pension, as it decided on Thursday afternoon by 117 votes to 62. All parliamentary groups except the SP and the Greens voted in favor. The Federal Council is against the abolition.”

For perspective currently if when you retire your children are under 18 (or 25 if studying) they would get a child pension. Currently this is capped at 60% for 2 children where 2 parents both draw pensions (2202 CHF).

Seems like this will end


It seems to be throwing out the baby with the bathwater. If you want to stop people in Thailand exploiting the system, then put in specific rules to prevent just that.

Or adjust the age when you can still claim it. So once you are say, 70+ you can no longer get it. This helps those who had kids a bit late and need support for a few years, but prevents abuse of people having kids overseas when already retired to milk the system for 25 years.

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Interesting interview with Pfister in NZZ on AHV financing, general budget issues and unhappiness with Federal Council.

And maybe we should have a Swiss politics / news thread?

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Apparently the 13th pension may be paid in 12 times - so essentially a monthly increase. I am sure the same people who don’t get how 13th salary work will not get this 


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Clearing tables, filling shelves, washing dishes - such jobs are easy to find

Don’t know Marton, it is easy to say when you didn’t actually look for this type of jobs at a certain age. If you didn’t know, let me assure there is a lot of discrimination on the labour market in general!, and yes age is one of the criteria based on which they reject you and they do it without any second thought. And when I say age, I don’t even think of +50s. :wink: Everyone wants younger employees, fresh out of school if possible.
Anyways, same things could be said about people being more thoughtful about the way the spend their pensions, no? That is easy. Or about their saving plans before getting retired. Especially here in CH.

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Believe it or not, I applied at McDonalds. They didn’t respond. (57 at the time).

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Shit happens. :frowning:
My impression of Mcdonald’s is it is a high-pressure sweatshop where people’s work rate is measured in seconds. My impression is Migros and Coop are more measured.

I only know when I go to my local Migros and look at their staff I feel quite young, at least I am per Du with most of them.

Do you speak from experience?

Employer have to pay higher second pillar contributions for older workers, then there is the stigma of “what if they get sick”, not to talk about perceived lack of energy/flexibility/grit. I don’t think it’s as easy as you are provocatively trying to make it
 After all there is a reason special provisions where put in place for older workers who get laid off with regards to second pillar


I worked until I was 71.

Before then I was laid off three times, once in UK then here.

So much for the electorate having considered financing of the AHV increase. A YouGov polls finds majority does not support financing via VAT or AHV contribution - but favours financial transaction tax savings in military or development finance.

If this is the sentiment we can look forward to lots of populist left votes.

https://www.blick.ch/politik/umfrage-zeigt-volk-hat-kae-luscht-13-ahv-rente-selber-zu-bezahlen-id19543008.html

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Numbers from 2022, I think some people still believes we live in the 1960s:

The share of GDP accounted for by financial and insurance services was 9% last year, down from 10% in 2011, the State Secretariat for International Finance (SIF) said in a report published on Wednesday.

So, how to milk a cow which is weaker every year?

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I refuse to wear my tinfoil hat, these unpopular news dropping just before the long Easter weekend were just a coincidence. Higher VAT, rejoice!!!

In order to secure the OASI’s finances, the government is therefore planning additional funding from 2026. Two options are on the table:

  • either an increase in employee contributions of 0.8 percentage points or,
  • a parallel increase in employee contributions (0.5 percentage points) and a 0.4 percentage point rise in VAT.

Well it ain’t over until Helvetica sings, and parliamentarians agree, at the gnomes decide and the referendum fails.

Would sure be nice to get an increase now to compensate for our already increased health insurance costs.

Now we’re talking :laughing:

To pay the 13th pension, are you more employee contributions, VAT, or both? Valais hemp grower Bernard Rappaz has another idea “to finance the 50% payment: regulate the recreational hemp market”. According to him, “we could collect a billion a year and save a billion on police, justice and prison costs. CQFD”. The idea doesn’t come out of nowhere. Today, tobacco taxes bring in around CHF 2 billion a year for the Confederation. These are paid into the AHV and IV schemes.

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