1st pillar
The Federal Council has decided to adjust AHV/IV pensions in line with wage and price trends from January 1, 2019.
The minimum monthly AHV/IV pension will be CHF 1,185 instead of CHF 1,175. The maximum pension will be CHF 2,370 instead of CHF 2,350 for a full contribution. Supplementary benefits to cover the basic needs of pensioners receiving DI or AVS/AHV benefits will increase from CHF 19,290 to CHF 19,450 for single people, and from CHF 28,935 to CHF 29,175 for couples.
The minimum AVS/AI/APG contribution for the self-employed and those not in gainful employment will change from CHF 478 to CHF 482 per annum.
The Federal Council carries out a review every two years to assess whether there is a need to adjust 1st pillar pensions. The last change was made in 2015. The 2019 review is expected to generate additional costs of around CHF 430 million for AHV and IV and CHF 2 million for supplementary benefits.
2nd pillar
Insofar as the law stipulates that the parameters of compulsory occupational benefit plans (ordinary BVG) are linked to the maximum full AHV pension, the limit values in occupational benefit plans are also changing:
Limit amounts for compulsory occupational benefits:
From 2019 From 2015
Max AHV/IV pension 28’440 28’200
Insured salary from (3/4) 21’330 21’150
Insured salary up to 85’320 84’600
Coordination deduction (7/8) 24’885 24’675
Minimum coordinated salary (1/8) 3’555 3’525
Maximum coordinated salary 60’435 59’925
Pillar 3a
From 2019, in order to benefit from tax advantages, gainfully employed persons affiliated to a pension fund will be able to invest a maximum of CHF 6,826 per year in Pillar 3a tied pension provision (previously CHF 6,768). Those without a pension fund will be able to invest a maximum of 20% of earned income subject to AHV contributions, but no more than CHF 34,128 (previously CHF 33,840).
