Who moves the place, you can look forward to in addition to a new challenge is often more rewarding. In spite of higher salaries under the dash-sometimes less is left, which many are not aware of. The reason for this is the pension benefits of the employer. A worse pension Fund can make the salary increase to be undone. It pays to look closely. Because most of the saving in the course of their working life on any other account so much money , such as in the occupational Pension scheme. The following Overview helps to create a change in the funding of the retirement clarity:
employer contribution: is the difference in how much the employer contributes to the personal retirement savings capital. If in an interview about the wage will be negotiated, should also be the benefits of the occupational Pension scheme of a theme. The easiest way is to discuss how to wage a Frank amount. Because the benefit is essentially a part of Salary. It is only when it is added to the salary, know the employee, how much he receives from an employer, and can compare the total amount with the previous employer. Further guidance may be the percentage of the savings contribution of the BVG salary. For 55-year-old and older persons, he must be at least 18 per cent of the pensionable salary. In the case of the most attractive employers, it can be up to 30 percent, as Patrick Spuhler, a pension Fund expert and a founding partner of the pension consultant Prevanto explains. However, it is important, what is the share of the employer’s savings contribution bar, and in Swiss francs.
interest rate: The interest rate gives information about how rapidly the personal pension capital is increasingly in a pension Fund. Predictions for the future are difficult. But to Pay for the interest rates for the last three or better yet five years, are a good comparison value and help to can a pension Fund assess.
Younger employees: The conversion rate is often overvalued. It influences directly the amount of the pension for a longer-term planning, he says but little. Because on the one hand, the conversion rates change constantly, and on the other hand, a lower conversion rate for younger employees can even bring benefits. Because “in a lower conversion rate if a Pension Fund offers in General a better rate of interest,” says Marco Jost of the pension Fund’s consultant, PPCmetrics. Or with other words: The pension capital reproduces itself faster, what with the compounding effect over many years, significant capital appreciation.
Older employees: of a certain age is the rate of Conversion at the election, however, is crucial. After all, who goes just before Retirement to an employer with a significantly lower conversion rate, cuts to his pension. “In such cases, it is sometimes even more financially attractive to choose instead of the lower conversion rate and the early retirement,” Patrick Spuhler.
Deep content: Who works in part-time positions in the occupational Pension scheme is often financially at a disadvantage. The reason for this is the rigid LOB coordination deduction in the amount of the maximum AHV retirement pension, which is just under 25’000 francs. Is the annual salary of 80’000 Swiss francs, to remain in accordance with the co-ordination deduction of 55’000 Swiss francs left, of which the statutory contribution for the second pillar is calculated. Who now works part-time and two per 40’000 Swiss francs earned, receives in Total including 80’000 Swiss francs. However, because of the coordination deduction is twice made, in this case, in the case of occupational pensions, only 30’000 instead of 55’000 Swiss francs insured. Therefore, according to see Spuhler good pension funds more flexible coordination before deductions, for example, as a percentage of income. It is a job applicants in employment should negotiations and, accordingly, an additional compensation request.
High salary: , Up to 84’600 Swiss francs are insured for wages is mandatory. This means that up to this amount, a worker is entitled to contributions by the employer. Many companies insure but also higher salaries. Who earns more, should inquire about the conditions in the non-mandatory area.
state : , The coverage ratio of a pension Fund should be above 100 percent. This is the case, is, in principle, sufficient capital to make the promised pensions Fund. He is including, is a renovation necessary, and it prints comes often to a reduction in the rate of return on the own credit, or even additional Pay. Well, a value between 110 and 120 percent, because of a reserve cushion, it helps to bridge a bad stock market years. The coverage, however, is only meaningful to a limited extent, since other important indicators for the health of a pension Fund is decisive. He is the most important indicator.
options: , pension funds have different rules and regulations. Depending on your needs, this can be an important criterion. Who would like to refer, for example, in the case of the Retirement prefer the capital instead of a pension, you should check whether the pension Fund allows for this. Because sometimes only a part of the reference is possible. The terms and conditions of an early retirement. Finally, the second column allows to take into account in case of death, the cohabiting partner in the sense of a spouse’s pension. But not all Pension schemes offer the.
(editing Tamedia)
Created: 07.04.2019, 17:58 PM
