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My pension plan at PUBLICA

The FINMA pension plan

Whether you are an active or former employee, this page offers a wealth of useful information about your pension plan: the name of your contact, the members of your parity commission, your interest rates, savings contributions and plan type (standard/management), as well the pension plan’s key figures and legal basis.

Also worth knowing

There is no entry threshold for the FINMA pension plan. You can join whatever your salary level. You can join whatever your salary level. Another advantage is that, as your employer, the Swiss Financial Market Supervisory Authority FINMA will pay the risk premium in full. 
In addition, you can make voluntary savings contributions to top up your pillar 2 retirement assets. You can choose between two voluntary options and simulate them on myPublica. myPublica.

Current funded ratio

As at 31.03.2024 the regulatory funded ratio stands at 103.5%.

Performance in past years

Contributions for pension plan types

Active members and their employers pay contributions based on the insured salary to fund retirement, disability and death benefits. The savings contributions vary, depending on the pension plan type (standard/management) and age. You can also make additional, voluntary savings contributions to top up your retirement assets. Depending on your plan type (standard/management), you can choose from a number of percentage options for your voluntary savings contributions.

 

Age group Employee’s savings contribution Employer’s savings contribution Total retirement credits
22 - 24 4.20% 6.80% 11.00%
25 - 34 4.55% 7.45% 12.00%
35 - 44 6.65% 10.85% 17.50%
45 - 54 10.85% 17.65% 28.50%
55 - 65 13.90% 22.60% 36.50%
66 - 70 4.20% 6.80% 11.00%

 

Voluntary savings contribution:

You can choose a monthly voluntary savings contribution of between two or four percent. Contact your human resources department.

Risk premium

PUBLICA levies a risk premium of 2% of the insured salary to insure the risks of death and disability. The employer pays this in full..

Interest rates and key figures

From 1 January 2024, the OPA minimum interest rate is 1.25%.

Your pension plan’s parity commission has set the following interest rates for retirement assets and for vested benefits paid out during the year as follows:

  • Interest rate on retirement assets in 2023: 1%
Interest rates 2024
Interest on termination benefits and purchases brought in 1.00%
Business transactions during the year 1.00%
Interest on arrears for subsequent payment of benefits 2.25%
Interest on reimbursement 1.25%
Default interest on reimbursement 2.25%
employment relationship prior to the 1 January after the 21st birthday 1.00%
Interest on termination benefit 1.25%
Subsequent payment of termination benefits 2.25%
Interest on reimbursement of vested benefits 1.25%
Interest rates of previous years

Legal basis

Parity commission

The following people were appointed to the FINMA parity commission for the term of office from 1 Avril 2024 to 31 March 2028:
 

Employee representative
Name Employer Function Contact
Joshua Baumann Swiss Financial Market Supervisory Authority FINMA Vice-Chair
Caroline Zumsteg Swiss Financial Market Supervisory Authority FINMA Member
Nora Benninger Swiss Financial Market Supervisory Authority FINMA Member
Employer representative
Name Employer Function Contact
Birgit Rutishauser Swiss Financial Market Supervisory Authority FINMA Member
Adrian Röthlisberger Swiss Financial Market Supervisory Authority FINMA Chair
Thomas Flückiger Swiss Financial Market Supervisory Authority FINMA Member

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