Argos Group wishes you a very happy 2018.
May happiness and success accompany you throughout this new year.
The year 2018 is not synonymous with major changes in Swiss social insurance.
AHV and IV pensions will remain at 2017 levels, i.e. CHF 1,175 per month for the minimum pension and CHF 2,350 for the maximum pension (44 years of contributions). The need to adjust or not depends on the average wage index and the consumer price index. The absence of an increase in 2018 is explained by the low level of inflation and wages.
The minimum interest rate for mandatory occupational pension plans will remain at 1% in 2018. The decisive factors are the yield on Swiss government bonds and the performance of financial assets (equities, bonds and real estate). The performance of equities and real estate is pleasing, but bond yields remain very low. The 1% interest rate applies only to assets covered by the compulsory part of the 2nd pillar. For the rest, each institution is free to set a different interest rate.
