I have two jobs below the BVG minimum, but earn more than 21,510 francs in total. Can I take out cover with a pension fund?

I have two jobs below the BVG minimum, but earn more than 21,510 francs in total. Can I take out cover with a pension fund?

You can also join a pension fund if you have two employment relationships below the BVG minimum, but earn more than CHF 21,510 in total. The following possibilities are available:

  • BVG auxiliary fund: Both retirement and risk benefits under BVG mandatory coverage can be insured with the state BVG auxiliary fund foundation. In this case, both employers pay their contributions directly to the BVG suppletory institution.
  • Insurance with the employer: Certain employers insure benefits outside the mandatory scheme - and thus also wages below CHF 21,510. If this is the case with employer A, there is at most the possibility that both employers pay their contributions into employer A's pension fund. It is not possible to insure third-party salary components with the Vita Collective Foundation.
Im­pro­ving retirement provision

Pension advice for private individuals

It pays to plan early

Based on an individual pension analysis, we show you how you can plan your retirement provision at an early stage and fill any pension shortfalls. So that you can look forward to the third stage of your life confidently.