The population expects more pension than it ultimately receives. Because these have dropped in recent years.
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According to the general political idea, pensions should make up 60 percent of the last wages. Most of these are far from this: According to the study of the VZ assets center, this so -called replacement rate is around 51 percent in CHF 100,000, and only around CHF 42 percent at CHF 150,000. It is only 63 percent with the low income of CHF 50,000.
The uncomfortable thing: If someone informed himself about his pension with CHF 100,000 in 2002, then he could still expect over 62 percent. In these over 20 years, the expected pension has dropped greatly.
The reason for this is the pension fund pensions. They are 40 percent lower than in 2002. The AHV pensions, on the other hand, rose with the price development. Because these two pensions develop in opposite directions, the AHV is becoming increasingly important as a partial pension.
The gap is particularly large with well -received earnings
With the high income, the replacement rate has dropped most:
AHV is becoming more important in the middle income – and now represents almost half of the pension income:
In the case of deep income, the replacement rate has only dropped slightly because the AHV is a larger share here and the pension fund pensions have dropped less strongly:
The development of pension fund pensions is particularly painful for people with a high income, because the higher the income, the more important the provision in the pension fund. Because while the AHV pension is capped, high incomes can also be insured in the pension fund. The proportion of AHV pension in total income therefore decreases with increasing income.
The majority are optimistic about retirement age
Nevertheless, the majority of respondents are optimistic: According to the study, 53 percent of those surveyed believe that they can finance their retirement with their pension and their assets without any problems.
The higher the income, the greater the confidence. This is astonishing in that when the income is greater than with small incomes. However, it is not surprising because people with high incomes have more assets and rather count on an inheritance.
Someone who expects substantial assets – to inherit a house – must also worry less about their future. Calculations assume that the retired people have at least four times as much assets as the population in the employed age.
But there are also many older people who have no or very little assets. The assets are even greater in old age than in the working age.
Concern for the pension fund pensions
According to the study, trust in the AHV and the pension fund has decreased further: 70 percent of those surveyed do not expect the AHV pensions to be the same in the future, 73 percent at the pension fund-although the AHV pensions have increased in recent years and will increase by an additional 8.3 percent in 2026.
A possible explanation is that many take care of their financing. The pension fund pensions have dropped sharply in recent years. According to VZ, the aging of society has now been priced in, so the worst should have survived. The currently low interest rates do not help the health insurers either.
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