The Swiss pension system comprises three different types of coverage, referred to as pillars. The first pillar, which is compulsory, is standard social security, known in French as AVS. The second pillar consists of benefits provided under your company pension plan. Finally, you may choose to supplement your pension coverage with the third pillar: private pension assets.

The Swiss pension system is designed to allow you to maintain your standard of living when you retire or if you become unable to work. However, the benefits provided under the first and second pillars are not always sufficient to cover your needs. It is therefore a good idea to fill any gaps in coverage with a private pension.

In addition, we offer an advisory service to help you find the best pension solution in order to protect you and your family from whatever life has in store.

Your AVS number
When you start working, you will receive an AVS card (or certificate) from your employer. This card shows your AVS number, which allows the authorities to process your contributions accurately and calculate the pension benefits to which you are entitled. You will be asked for this card whenever you start a new job so that your employer can register you with the company pension fund.