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My pension plan at PUBLICA

The SNM 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 an entry threshold of CHF 8,000 for the SNM pension plan. 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) Standard plan, for employed persons up to and including salary class 23
Age group Employee’s savings contribution Employer’s savings contribution Total retirement credits
22 - 34 4.75% 8.00% 12.75%
35 - 44 6.40% 9.85% 16.25%
45 - 54 10.25% 16.45% 26.70%
55 - 70 13.60% 21.65% 35.25%
b) Management plan, for salaried persons from salary grade 24 onwards
Age group Employee’s savings contribution Employer’s savings contribution Total retirement credits
22 - 34 6.10% 6.65% 12.75%
35 - 44 6.40% 9.85% 16.25%
45 - 54 11.65% 17.95% 29.60%
55 - 70 14.95% 23.15% 38.10%

 

Additional savings contributions - special savings credit balance

Standard and Management plan    
Classes 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 termination 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 SNM parity commission for the term of office from 1 June 2023 to 31 May 2027:

 

 

Employee representative
Name Employer Function Contact
David Blazquez Schweiz. Nationalmuseum Member
Doris Haben Schweiz. Nationalmuseum President
Employer representative
Name Employer Function Contact
Beat Högger Schweiz. Nationalmuseum Vice-Chair
Thomas Zeller Schweiz. Nationalmuseum Member

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