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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.

Vertretung der Arbeitnehmenden: Ergebnis der Wahl vom 16. Februar 2024

Als Mitglied des paritätischen Organs des Vorsorgewerks Angeschlossene Organisationen gewählt sind:

Imobersteg Rahel

Nicoud Galletto Valérie

Müller Armin

Würth Maja

Wir gratulieren den gewählten Personen und wünschen ihnen eine erfolgreiche Tätigkeit.

Also worth knowing

There is no entry threshold for the Affiliated Organisations pension plan. You can join whatever your salary level. Another advantage is that your employer 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 31.12.2023 the regulatory funded ratio stands at 102,4%.

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.

Saving plan A
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%
Saving plan B
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%
Saving plan C
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%
Saving plan D
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%
Saving plan E
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%
Saving plan F
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:
 

Employee representative
Name Employer Function Contact
Maja Würth Swiss Red Cross Member
Armin Müller Schweiz Tourismus Chair
Valerie Nicoud Galletto ASFIP Genève Member
Rahel Imobersteg swissuniversities Member
Employer representative
Name Employer Function Contact
Markus Brügger Federal Staff Association Vice-Chair
Heinrich Bucher Proviande Genossenschaft Member
Anastasia Frame Switzerland Global Enterprise Member
Ole Rauch Schneesportinitiative Schweiz Member

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