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 ENSI pension plan
Contributions for pension plan types
|Age group||Employee’s savings contribution||Employer’s savings contribution||Total retirement credits|
|22 - 34||6.35%||7.05%||13.40%|
|35 - 44||8.10%||9.05%||17.15%|
|45 - 54||11.35%||14.75%||26.10%|
|55 - 65||14.90%||18.70%||33.60%|
|66 - 70||6.35%||6.40%||12.75%|
Voluntary savings contribution:
You can choose a monthly voluntary savings contribution of between three or six percent. Contact your human resources department.
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
Each year, the Federal Council sets the minimum interest rate for retirement assets in the compulsory portion of the occupational pension. For 2022, the rate is 1%.
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 2022: 1%
- Interest rate on benefits paid out during the year in 2023: 1%
|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||2.00%|
|Interest on reimbursement||1.00%|
|Default interest on reimbursement||2.00%|
|employment relationship prior to the 1 January after the 21st birthday||1.00%|
|Interest on termination benefit||1.00%|
|Default interest on termination benefits||2.00%|
|Interest on arrears for subsequent payment of termination benefits||2.00%|
|Interest on reimbursement of vested benefits||1.00%|
The most important regulations at a glance:
The following people were appointed to the ENSI parity commission for the term of office from 1 April 2020 to 30 March 2024:
|Andrea Koller||Swiss Federal Nuclear Safety Inspectorate ENSI||Member|
|Cyrill Von Arx||Swiss Federal Nuclear Safety Inspectorate ENSI||Chair|