For workers
Your contribution –
your pension provision.
3% interest
for the past 10 years
Conversion
rate: 6.8%
Low administrative costs
Personal advice
Properly insured
Every franc counts. Every hour, too.
The swissstaffing Pension Fund ensures that your pension plan is implemented in strict accordance with the statutory requirements of the BVG and the Collective Bargaining Agreement on Staff Leasing (GAV).
Thanks to accurate, monthly statements, your contributions are calculated precisely on the basis of the hours you have worked – in a transparent and easy-to-understand way.
Your pension plan
Depending on your employment type and the agreement with your employer, one of the following three pension plans applies:
- TEMP BASIC
- TEMP PREMIUM
- FIX INTERN
For temporary assignments, your employer may also decide to insure portions of your pay in excess of the statutory minimum or to include extended cover for a scenario involving death or disability.
How to find out what cover you have
- Your pension fund statement
- Information from your employer
- A direct call to our administration
Our experts are always on hand to help you.
More information
Contribution rates
Low costs.
More for you.
The BVG contributions are calculated on the basis of your insured earnings – broken down into a savings component, a risk element and an administration fee. Your employer contributes the same amount, or in some cases more.
Because we operate efficiently and cost-effectively, more of what you pay in go towards your pension. Here’s how to build up a pension plan, step by step, that will pay off for you.
| TEMP BASIC (Standard) (EN) | TEMP PREMIUM (Standard) (EN) | FIX INTERN (Standard) (EN) | ||
|---|---|---|---|---|
| Age 18 to 24: | 0.875 % | 0.95 % | 1.0 % | Includes 0.0 % savings element |
| Age 25 to 34: | 4.375 % | 4.45 % | 4.5 % | Includes 3.5 % savings element |
| Age 35 to 44: | 5.875 % | 5.95 % | 6.0 % | Includes 5.0 % savings element |
| Age 45 to 54: | 8.375 % | 8.45 % | 8.5 % | Includes 7.5 % savings element |
| Age 55 to retirement: | 9.875 % | 9.95 % | 10.0 % | Includes 9.0 % savings element |
Interest
3% interest. Year after year.
The statutory minimum interest rate has been 1.25% since 1 January 2024. We offer much more: in 2025, our members’ savings even earned interest of 3.75%.
Thanks to the effect of compound interest, your retirement savings grow faster – and your pension will be correspondingly higher when you retire.
Benefits
Whatever your circumstances, we’re there for you.
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Retirement pension, lump-sum retirement payment or pensioner’s child’s pension – you choose the option that best suits your situation. Your pension is calculated on the basis of your retirement savings and the 6.8% conversion rate. Early retirement is possible from the age of 58.
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Disability pension, disability pension for children and the disability waiver – your pension continues to accrue even if you’re no longer able to work. Policyholders with TEMP PREMIUM or FIX INTERN are entitled to additional benefits.
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Widow’s/widower’s pension, orphan’s pension, pension for divorcees and death benefit – your dependants are covered. An additional death benefit of 50% of the insured earnings for all insured persons.
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If you leave the Fund, your vested pension capital (Freizügigkeitsleistung, FZL) will be transferred directly to your new pension plan. We will send you your certificate of departure within three months of your leaving the Pension Fund. We guarantee the minimum payments according to the BVG and vested benefits legislation.
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In the event of a divorce, your pension savings will be split in accordance with clear legal rules. Under certain conditions, a surviving divorced spouse is entitled to a survivor’s pension. Contact us early on in the process.
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When buying a home, it is possible to withdraw funds early or use your savings as security for a bank loan (min. CHF 20,000). Early withdrawal will reduce your future pension – we’d be happy to advise you on the options available.
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Making extra voluntary contributions to your pension account results in a higher pension in retirement – and is attractive from a tax point of view. Even if you return to work for the same company, your vested benefits will be automatically credited.
Aon MyPension
Your pension account.
Just a click away.
Do you have any questions about your pension savings? Our team offers you expert support you can count on – and with Aon MyPension, you can check your balance at any time.
Log in to your personal pension account.
