The three-pillar system
Pillar 1 - State pension provision
The intention of pillar 1 is to protect against falling below the poverty line, which means that the pension should cover the minimum necessary living costs. Pillar 1 comprises old-age and survivors' insurance (OASI), disability insurance (DI) and the income replacement ordinance (EO).
Pillar 2 - Occupational pension provision
Pillar 2, occupational pension provision (BVG), safeguards the standard of living that you are accustomed to. The occupational pension provision is funded by contributions from employees and employers, at least in equal parts, although the employer may voluntarily opt to contribute more.
Pillar 3 - Private pension provision
The pension assets from pillar 3 (3a and 3b) serve to cover any pension shortfall. They are intended to fund the realization of dreams and wishes after retirement. Around 60% of the income during retirement comes from pillars 1 and 2 and around 40% from pillar 3.
Protect your savings
Useful information
Benefits for insured
As an insured of Vita Joint Foundations, you benefit from attractive preferential conditions on insurance and investment solutions from Zurich.
Fairplay in retirement provision
For us, fairplay is at the heart of how we design and develop our solutions - so that occupational retirement provision remains strong for future generations.
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