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.
My pension plan at PUBLICA
The Affiliated Organisations 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.
Performance in past years
Contributions for pension plan types
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 29 | 5.90% | 7.65% | 13.55% |
| 30 - 34 | 6.25% | 8.05% | 14.30% |
| 35 - 39 | 6.70% | 8.40% | 15.10% |
| 40 - 44 | 7.10% | 8.85% | 15.95% |
| 45 - 49 | 7.60% | 9.25% | 16.85% |
| 50 - 54 | 8.05% | 9.75% | 17.80% |
| 55 - 59 | 8.65% | 10.20% | 18.85% |
| 60 - 65 | 9.20% | 10.75% | 19.95% |
| 66 - 70 | 5.90% | 7.65% | 13.55% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 29 | 6.45% | 8.35% | 14.80% |
| 30 - 34 | 6.85% | 8.80% | 15.65% |
| 35 - 39 | 7.35% | 9.20% | 16.55% |
| 40 - 44 | 7.80% | 9.70% | 17.50% |
| 45 - 49 | 8.45% | 10.05% | 18.50% |
| 50 - 54 | 8.95% | 10.60% | 19.55% |
| 55 - 59 | 9.55% | 11.15% | 20.70% |
| 60 - 65 | 10.15% | 11.75% | 21.90% |
| 66 - 70 | 6.45% | 8.35% | 14.80% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 29 | 7.15% | 8.90% | 16.05% |
| 30 - 34 | 7.55% | 9.40% | 16.95% |
| 35 - 39 | 8.05% | 9.90% | 17.95% |
| 40 - 44 | 8.55% | 10.45% | 19.00% |
| 45 - 49 | 9.25% | 10.85% | 20.10% |
| 50 - 54 | 9.80% | 11.45% | 21.25% |
| 55 - 59 | 10.45% | 12.05% | 22.50% |
| 60 - 65 | 11.05% | 12.75% | 23.80% |
| 66 - 70 | 7.15% | 8.90% | 16.05% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 34 | 5.85% | 6.90% | 12.75% |
| 35 - 44 | 7.55% | 8.70% | 16.25% |
| 45 - 49 | 11.15% | 12.55% | 23.70% |
| 50 - 54 | 11.15% | 15.00% | 26.15% |
| 55 - 65 | 14.90% | 18.80% | 33.70% |
| 66 - 70 | 5.85% | 6.90% | 12.75% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 34 | 5.85% | 6.90% | 12.75% |
| 35 - 44 | 7.55% | 8.70% | 16.25% |
| 45 - 49 | 12.60% | 14.00% | 26.60% |
| 50 - 54 | 12.60% | 16.45% | 29.05% |
| 55 - 65 | 16.30% | 20.25% | 36.55% |
| 66 - 70 | 5.85% | 6.90% | 12.75% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 34 | 7.25% | 8.35% | 15.60% |
| 35 - 44 | 8.90% | 10.15% | 19.05% |
| 45 - 49 | 14.05% | 15.45% | 29.50% |
| 50 - 54 | 14.05% | 17.90% | 31.95% |
| 55 - 65 | 17.75% | 21.75% | 39.50% |
| 66 - 70 | 7.25% | 8.35% | 15.60% |
Savings plan mix
Combination of the six plans mentioned above.
The individual allocation of insured persons to the pension plans is determined by the employer. To find out your personal plan allocation, please contact your employer's personnel service.
Voluntary savings contributions
| Savings plans A - C | ||
|---|---|---|
| Age range | Option 1 (%) | Option 2 (%) |
| 22 - 70 | 0.80 | 1.60 |
| Savings plans D - F | ||
|---|---|---|
| Age range | Option 1 (%) | Option 2 (%) |
| 22 - 49 | 0.70 | 1.40 |
| 50 - 70 | 1.95 | 3.90 |
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: 1.25%
| Interest rates | 2024 |
|---|---|
| Interest on arrears for subsequent payment of benefits | 1.25% |
| Interest on reimbursement | 1.25% |
| Default interest on reimbursement | 2.25% |
| employment relationship prior to the 1 January after the 21st birthday | 1.25% |
| Interest on termination benefit | 1.25% |
| Interest according to Article 17 FZG | 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 parity commission for the term of office from 1 March 2024 to 29 February 2028: