What do I need to be aware of when switching to comPlan? Which savings plan is the right one for me? Where can I find my statement of insurance? What happens to the vested benefits I’ve already saved up? What benefits do I or my loved ones receive? What can I do for beneficiaries in the event of my death? For all those who are now insured with comPlan within the BVG occupational benefits scheme, the most important points to consider when joining comPlan.
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What do I need to be aware of when switching to comPlan? Which savings plan is the right one for me? Where can I find my statement of insurance? What happens to the vested benefits I’ve already saved up? What benefits do I or my loved ones receive? What can I do for beneficiaries in the event of my death? For all those who are now insured with comPlan within the BVG occupational benefits scheme, the most important points to consider when joining comPlan.
Which savings option is the right one for me?
What options for retirement provision do you have with comPlan? With comPlan, you have the choice of three options for your retirement. You are automatically insured in the Standard savings option and the Plus or Extra savings options allow you to make higher contributions towards a better pension. Even with the Standard option, the savings contributions are higher than the statutory minimum. The higher contributions paid with the Plus or Extra savings options reduce the salary you receive, but improve your retirement provision and usually reduce your taxes. As you can change savings option only once a year, it's important that you should be able to afford the additional payroll deductions over the long term.
Savings contributions
Standard economy version
| Age | Employer | Employee | Total contribution |
|---|---|---|---|
| 18-21 | 0.0% | 0.0% | 0.0% |
| 22-39 | 7.1% | 7.1% | 14.2% |
| 40-54 | 11.1% | 9.1% | 20.2% |
| 55-70 | 13.7% | 11.1% | 24.8% |
Saving option Plus
| Age | Employer | Employee | Total contribution |
|---|---|---|---|
| 18-21 | 0.0% | 2.0% | 2.0% |
| 22-39 | 7.1% | 7.5% | 14.6% |
| 40-54 | 11.1% | 10.3% | 21.4% |
| 55-70 | 13.7% | 13.3% | 27.0% |
Extra savings option
| Age | Employer | Employee | Total contribution |
|---|---|---|---|
| 18-21 | 0.0% | 4.0% | 4.0% |
| 22-39 | 7.1% | 8.0% | 15.1% |
| 40-54 | 11.1% | 12.0% | 23.1% |
| 55-70 | 13.7% | 16.0% | 29.7% |
Tip 1
With the Plus or Extra savings options, you can improve your retirement provision and tax savings. Before choosing the Plus or Extra savings options, though, check to make sure you can really afford the higher payroll deductions.
Do I have to transfer in the credit balances I’ve already saved with other pension funds?
Do you have retirement savings with your previous pension fund or money in a vested benefits foundation? You’re obliged to transfer into comPlan all the Pillar 2 pension assets you’ve accumulated to date. In return, your retirement benefits increase with every franc you pay in to comPlan.
Tip 2
Transfer existing pension assets from your former pension fund or vested benefits foundation to comPlan.
Where can I find my statement of insurance?
Which savings option do I have at present and what do the insured benefits amount to? With comPlan Online, you can view your current statement of insurance at any time and also print it off. You can see how much you have already saved for old age and how much your pension is likely to be based on the present situation. Benefits in the event of disability and death and the maximum purchasable amount are also shown.
And comPlan Online also provides you with practical tools: You can run simulations for your retirement and calculate purchasable amounts or advance payments for the purpose of buying residential property. You can log in using a Swisscom customer login that is in your name.
Tip 3
Register with comPlan Online, and you will be able to check your statement of insurance at any time.
What do I have to do to make sure my nearest and dearest are secure in the event of my death?
To some extent, it is the law and the pension fund regulations that determine who gets a pension or a lump sum when you die. You do, however, have a certain amount of scope to influence the way in which they benefit. This is the case in particular if you are not married but living with a partner. However, you have to ask us to record and accept your chosen beneficiaries.
Tip 4
Find out about the requirements and possibilities and fill in the appropriate forms to best protect your loved ones.
Entry checklist
The four most important tips to remember when you join comPlan.
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Select savings variant
With the Plus or Extra savings options, you can improve your retirement provision and tax savings. Before choosing the Plus or Extra savings options, though, check to make sure you can really afford the higher payroll deducti
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Transfer pension assets
Transfer existing pension assets from your former pension fund or vested benefits foundation to comPlan.
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comPlan Online
Register with comPlan Online, and you will be able to check your statement of insurance at any time.
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Insurance protection
Find out about the requirements and possibilities and fill in the appropriate forms to best protect your loved ones.