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Annex 6 AHV bridging pension (Art. 12 Paras. 2 and 4)


Number of years withdrawing
AHV bridging pension		 Reduction in retirement savings
on retirement for a
monthly AHV bridging pension
of CHF 100
7 7,916
6 6,843
5 5,751
4 4,641
3 3,511
2 2,361
1 1,191

Monthly values are cal­cu­lated on the basis of straight-line projections.

Example 1

Retirement at age of 60

With the Group for over 10 years

Number of years until the beginning of the reference age: 5 years or 60 months

Maximum AHV retirement pension: CHF 29,400 per year or CHF 2,450 per month

Employer deposit for bridging pension after 10 years’ affiliation to the Group: CHF 80,100

Employer-financed bridging pension = 80,100/60 = 1 335 per month

1.Maximum AHV retirement pension per month
CHF 2,450
2.Employer-financed bridging pension
– CHF 1,335
3.Monthly difference
CHF 1,115

Cost of a bridging pension of CHF 100 at the age of 60 as specified in table: 5,751

Reduction in retirement savings on retirement to fund ad­di­tional bridging pension: CHF 64,124 = CHF 1,115/CHF 100 * CHF 5,751

Example 2

The same person as in example 1 but has only worked in the Group for 6 years

Retirement at the age of 60

Has worked in the group for 6 years (72 months), i.e. 48 months still needed for an AHV bridging pension funded by the employer

Number of years until reference age: 5 years or 60 months

Reduction of AHV bridging pension funded by the employer

1.AHV bridging pensions funded by the employer after 10 years with the Group
CHF 1,335
2.Reduction: CHF 1,335 / 120 * 48
– CHF 534
3.Reduced AHV bridging pension after 6 years with the Group
CHF 801

Reduction of retirement savings upon retirement

4.Maximum AHV retirement pension per month
CHF 2,450
5.Employer-financed bridging pension
– CHF 801
6.Monthly difference
CHF 1,649

Cost of a bridging pension of CHF 100 at the age of 60 as specified in table: 5,751

Reduction in retirement savings on retirement to fund ad­di­tional bridging pension: CHF 94,834 = CHF 1,649/CHF 100 * CHF 5,751