Nevertheless,
I worked all my life:
Working in Switzerland a whole life is to benefit from a pension system structured in. Similarly, three pillars. However, what amount are we really retired? Meanwhile,
Many French people have exercised their professional activity in Suissesometimes during their entire career. Furthermore, THE Swiss pension system Based on three pillars of old age. Nevertheless, survivors (AVS), professional provident (LPP) and individual provident insurance. Nevertheless, In 2025, a reform harmonized the starting age at 65 for everyone, with transitional provisions for women born between 1961 and 1969. Additionally, Nevertheless, Thanks to the France-Switzerland bilateral agreementsthe contribution periods are totalized. For example, each country pays a pension proportional to the time worked. For example, Here is how your retirement is calculated in Switzerland and what amounts you can hope for.
How does retirement work in Switzerland? The three pillars of the system – I worked all my life
Old age i worked all my life and survivors insurance
L’AVS Covers vital needs (housing, food, health). It is funded by contributions distributed between employer and employee (8.7 % of the salary). To perceive a complete annuity, you must have contributed for 44 years from the age of 20. In 2025, the interest minimal monthly is 1,260 CHF, and the maximum rent reaches 2,520 CHF.
Professional provident – I worked all my life
The LPP aims to maintain the previous standard of living. It is compulsory from 22,680 annual salary CHF, and operates by capitalization via pension funds. At 65, the average capital accumulated varies between 250,000 and 500,000 CHF, according to the professional career. THE replacement rate AVS + LPP combined can reach 60 % of the last salary.
Individual provident
Optional. but fiscally advantageous, the Pilier 3A allows you to save up to 7,258 CHF per year in 2025 for affiliates to a i worked all my life pension fund. It can be removed in the form of capital or annuity. On average, it adds 1,100 CHF monthly to the overall pension for regular savers.
How to estimate his retirement after a career made in Switzerland?
Case of the basic pension
In Switzerland. to perceive a Complete AVS rentwhich, let us recall, is the first pillar of the Swiss pension system, you must have contributed for 44 years from the age of 20, recalls neoviaretratraite.fr. In other words. even if you have contributed 44 years, but you did not start from the age of 20, you may not benefit from a complete annuity of this basic diet. Take the example of a Frenchman who started working in Switzerland as well as to pay his contributions from. the age of 20. Retired. having contributed 44 years with an average annual income of 90,720 CHF, i worked all my life it can receive a maximum annuity of 2520 CHF/month, or € 2704.39/month.
Supplementary pension case
The Swiss pension system also has a complementary regime to which even expatriates are entitled. in particular the French, due to the bilateral France-Suisse agreements. Consequently, a French expatriate, in addition to AVS, can also affect professional pension, the equivalent of French supplementary retirement. As a reminder, the LPP is compulsory for any worker who receives at least 22,680 CHF of annual salary. In addition. if in addition to AVS and LPP, a Frenchman also contributed voluntarily to the individual providenthe can have a retirement pension above the French average. Recall that this pension plan adds between 1000 to 2000 CHF to the pension of a senior.
How to apply for retirement for a French worker in Switzerland?
To get her retirement after a career in Switzerlandyou must submit your request i worked all my life in your country of residence. from the legal age (65 years in Switzerland). The Frenchwoman then contacts the Swiss compensation fund for coordinate. This process makes it possible to coordinate the payments between the two countries, in accordance with bilateral agreements. It is strongly recommended to anticipate the request at least six months in advance. in order to guarantee a precise calculation of the rights and a payment without delay.
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