I simply dont get what they mention in my pay slip
There are a lot of deduction from my wage regarding the pension. I know Ahv ALV but what is this sparbeitrag, risikobeitrag,...
Basically which one seems to be really reclaimable when i leave switzerland?
What is kapital and what is altersente?
Thanks
Ideally, your employer should explain all the deductions to you. They should also be specified in your employment contract.
Here are some related threads which might help give you some background:
https://www.englishforum.ch/finance-…ns-salary.html
https://www.englishforum.ch/finance-…eductions.html
In general, www.ch.ch is a good government sourve of how things work in Switzerland.
About pensions, see the explanation of the first, second and third pillar, here:
https://www.ch.ch/en/retirement/old-age-pension
first pillar
https://www.ch.ch/en/retirement/oasi-pension-abroad
OASI (AHV/AVS): Pension payments to people living abroad
second pillar : “When can you cash in your second pillar savings?”
https://www.ch.ch/en/retirement/old-…pillar-savings
Both deductions go into the pension fund but only the first one forms savings. The other one is risk insurance for the case of death or disability.
Your pension statement should state what the payout would be in the case of such unfortunate events.
The same statement should also show how much you are contributing and how much your employer is. This should be at least equal. However, many employers contribute more than the employee or pick up the full cost of the risk insurance.
If you leave Switzerland, you may be able to cash out the savings (your and your employer's contributions) and the payout would be subject to lump sum payout tax. Whether and how much you can cash out depends on the social security agreements between Switzerland and whatever the relevant other country is.