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My pension plan at PUBLICA

The PUBLICA 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 PUBLICA pension plan. You can join whatever your salary level. Your employer will also pay the risk premium in full. And you can make voluntary savings contributions to top up your pillar 2 retirement assets. Depending on your plan type (standard/management), you can choose from among a number of contribution options and simulate them on myPublica.

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.

 

a) Pension plan 1, for employed persons up to and including salary band 14
Age group Employee’s savings contribution Employer’s savings contribution Total retirement credits
22 - 24 4.30% 4.80% 9.10%
25 - 34 4.75% 8.00% 12.75%
35 - 44 7.10% 10.35% 17.45%
45 - 54 9.95% 14.55% 24.50%
55 - 65 13.40% 18.20% 31.60%
66 - 70 4.30% 4.80% 9.10%
b) Pension plan 2, for salaried persons in salary band 15 and above
Age group Employee’s savings contribution Employer’s savings contribution Total retirement credits
22 - 24 5.80% 6.30% 12.10%
25 - 34 6.25% 9.50% 15.75%
35 - 44 8.60% 11.85% 20.45%
45 - 54 11.45% 16.05% 27.50%
55 - 65 14.90% 19.70% 34.60%
66 - 70 4.30% 4.80% 9.10%

 

Voluntary savings contributions

Savings plans 1    
Age range Option 1 (%) Option 2 (%)
22-44 1.5 3.0
45-70 2.25 4.5
Savings plans 2    
Age range

Option 1 (%)

Option (2%)
22-44 1.0 2.0
45-70 2.0 4.0

 

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%
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 vested benefits 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%
Interest rates of previous years

Legal basis

Parity commission

The following people were appointed to the Confederation parity commission for the term of office from 1 January 2021to 31 December 2025:

 

 

Employee representative
Name Employer Function Contact
Alain Pauchard Swiss Federal Pension Fund PUBLICA Chair
Samuel Meier Swiss Federal Pension Fund PUBLICA Member
Rebekka Rüegg Swiss Federal Pension Fund PUBLICA Member
Employer representative
Name Employer Function Contact
Beatrice Rychen Swiss Federal Pension Fund PUBLICA Vice President
Markus Zaugg Swiss Federal Pension Fund PUBLICA Member
Patrick Uelfeti Swiss Federal Pension Fund PUBLICA Member

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