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Pensions switzerland plagued drop return new: For example. In addition. Nevertheless,
Pensions switzerland plagued drop return:
The population generally expects to receive a higher pension than that which it ultimately gets. Moreover, Indeed, annuities have decreased in recent years.
From a political point of view, annuities should represent 60% of the last salary. Furthermore. However. For example, But most of the new retirees are far from it: according to a study of the VZ wealth management center. For example, this rate, known as a replacement, is around 51% for an income of 100,000 francs, and only about 42% for 150,000 francs. Similarly, It is only for the low incomes of 50,000 francs that it still reached 63%.
In 2002, a person benefiting from an income of 100,000 francs could still count on more than 62% annuities. Meanwhile, In just over 20 years, the predictable pension has therefore decreased. For example, In question: the annuities of the pension funds, lower by 40% than in 2002. Similarly, On the other hand, the AVS annuities increased with the evolution of prices. Similarly, As these two annuities evolve in the opposite direction, the AVS as a partial rent becomes more and more important.
The gap is particularly important for high income – Pensions switzerland plagued drop return – Pensions switzerland plagued drop return. new – Pensions switzerland plagued drop return new
It is for high income that the. replacement rate has dropped most.
For average income. the AVS becomes more important – and now represents almost half of the retirement income.
For low incomes. the replacement rate has only dropped slightly. because the AVS here represents a larger pensions switzerland plagued drop return new share and the annuities of the pension funds decrease less sharply.
For high -income people. the development of pension fund annuities has more marked effects, as the higher the income, the greater the pension fund. The share of the AVS rent in total income therefore decreases with the increase in income.
The majority envisages retirement age with optimism
Despite everything. Additionally. the majority of those questioned are optimistic: according to the study. 53% of respondents think they can finance their retirement without problem with their pensions switzerland plagued drop return new rent and their fortune. The higher the income, the greater the confidence.
A person who expects to receive a substantial heritage – like inheriting a house – has less concerns pensions switzerland. plagued drop return new to be. done for their future. Calculations estimate that retirees have an average of at least four times more heritage than the working pensions switzerland. plagued drop return age population. But there are also many elderly people who do not have or very little heritage. Heritage inequality is even greater at retirement age than during working life.
Concern about pension fund annuities
According to the study. confidence in AVS. pension funds has further decreased: 70% of those questioned do not expect the AVS annuities to be so high in the future. for pension funds, this figure is 73%.
>> Also listen to the interview in Forum by Roland Bron. French director of pensions switzerland plagued drop return new the financial consulting company VZ:
Nora Buy (SRF)
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