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 IPI 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.
Contributions for pension plan types
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 34 | 5.95% | 6.80% | 12.75% |
| 35 - 44 | 7.80% | 9.55% | 17.35% |
| 45 - 54 | 10.70% | 17.90% | 28.60% |
| 55 - 65 | 14.10% | 24.60% | 38.70% |
| 66 - 70 | 8.75% | 8.75% | 17.50% |
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
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 rates | 2023 |
|---|---|
| Interest on arrears for subsequent payment of benefits | 2.00% |
| 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 reimbursement of vested benefits | 1.00% |
Legal basis
The most important regulations at a glance:
Parity commission
The following people were appointed to the IPI parity commission for the term of office from 1 April 2023 to 30 March 2027: