Comparison BVG - comPlan
The list shows where comPlan goes beyond the mandatory requirements and what advantages this offers for insured persons.
| Comparison | BVG | comPlan Duoprimat |
|---|---|---|
| Primat | defined contribution scheme | Defined contribution scheme for retirement provision Defined benefit scheme for risk provision |
| Admission at annual salary | over CHF 22 680 (Art. 7 Abs. 1) |
over CHF 3 000 (Art. 3 Abs. 1) |
| Coordination deduction | CHF 26 460 (Art. 8 Abs. 1) |
CHF 0 (Art. 6 Abs. 1) |
| Maximum relevant salary | CHF 90 720 (Art. 8 Abs. 1) |
CHF 907 200 (Art. 6 Abs. 2) |
| Comparison | BVG | comPlan Duoprimat | |
|---|---|---|---|
| Savings contributions | |||
| Age | Total contribution | Employee contribution Standard |
Employer contribution |
| 18 - 21 | 0.00% | 0.00% | 0.00% |
| 22 - 24 | 0.00% | 7.10% | 7.10% |
| 25 - 34 | 7.00% | 7.10% | 7.10% |
| 35 - 39 | 10.00% | 7.10% | 7.10% |
| 40 - 44 | 10.00% | 9.10% | 11.10% |
| 45 - 54 | 15.00% | 9.10% | 11.10% |
| 55 - 65 | 18.00% | 11.10% | 13.70% |
| 66 - 70 | - | 11.10% | 13.70% |
| (Art. 16) | (Art. 7 Abs. 2, Appendix 1) |
| Comparison | BVG | comPlan Duoprimat | ||
|---|---|---|---|---|
| Individual savings options at the expense of employees | no | Age | Plus | Extra |
| 18-21 | 2,0% | 4,0% | ||
| 22-39 | 7,5% | 8,0% | ||
| 40-54 | 10,3% | 12,0% | ||
| 55-65 | 13,3% | 16,0% | ||
| 66-70* | 13,3% | 16,0% |
*Option to retain previous savings plan or opt out of savings contributions
(Art. 7 para. 3, Annexes 1 and 2)
(Art. 7 para. 3, Annexes 1 and 2)
| Comparison | BVG | comPlan Duoprimat | |
|---|---|---|---|
| Further contributions | |||
| Distribution | employee 0% | employer 100% | |
| Risk premiums | Not defined in law | 0% | 1.75% |
| Conversion loss contribution | Not defined in law | 0% | 1.20% |
| (Art. 7 Abs. 6, Appendix 1) |
| Comparison | BVG | comPlan Duoprimat |
|---|---|---|
| Conversion rates | ||
| Age | All genders | All genders |
| 58 | 3,95% | |
| 59 | 4,07% | |
| 60 | 4,20% | |
| 61 | 4,34% | |
| 62 | 4,49% | |
| 63 | 4,65% | |
| 64 | 4,82% | |
| 65 | 6.80% | 5,00% |
| 66 | 5,15% | |
| 67 | 5,30% | |
| 68 | 5,45% | |
| 69 | 5,60% | |
| 70 | 5,75% | |
| (Art. 14 Abs. 2 and 3 BVG; Art. 62c BVV2) | (Art. 10 Abs. 2, Appendix 3) |
The conversion rate is calculated precisely to the month.
The conversion rates for all dates can be viewed online via comPlan.
The conversion rates for all dates can be viewed online via comPlan.
| Comparison | BVG | comPlan Duoprimat |
|---|---|---|
| Retirement pension | The amount depends on the available retirement assets and the conversion rate (Art. 14 para. 1) | The amount depends on the available retirement assets and the conversion rate ( Art. 10 para. 2, Appendix 3) |
| Capital option | Up to 25% possible (Art. 37(2)) |
Up to 100% possible (Art. 10 para. 3) |
| AHV bridging pension | CHF 0 | CHF 80,100 financed by employer (max. CHF 30,240 per year) (Art. 12, Appendix 6) |
| Retirement children's pension (Old-age children's pension) |
20% of the retirement pension (Art. 17) |
20% of the BVG retirement pension (Art. 14 para. 2) |
| Disability pension | Calculation using the same conversion rate as for retirement pension at age 65. Retirement assets consist of: - the retirement assets acquired up to the start of entitlement and - the sum of the retirement credits for the years missing up to the reference age, without interest (Art. 24 para. 2 and 3) |
50% of the insured salary (Art. 19 para. 3) |
| Disability children's pension | 20% of the disability pension (Art. 25) |
20% of the disability pension (Art. 23 para. 2) |
| Spouse's pension (widow's or widower's pension) |
60% of the insured disability pension (before age 65) or the current disability or retirement pension if the surviving person - is supporting child(ren) or - is older than 45 and - has been married for at least 5 years (Art. 19 para. 1 and Art. 21) |
35% of the insured salary (before age 65) or 60% of the retirement pension if the surviving person - is supporting child(ren) or - is older than 40 and - has been married for at least 5 years (Art. 15) |
| (Life) Partner's pension | not provided for | 35% of insured salary (before age 65) or 60% of retirement pension if surviving person - supports child(ren) or - is older than 40 and - has lived in the same household for at least 5 years beneficiary declaration mandatory (Art. 16) |
| Orphan's pension | 20% of the retirement or disability pension (Art. 21 para. 1) |
10% of the insured salary (before the age of 65) or 20% of the retirement pension. (Art. 17) |
| Lump sum payable on death |
CHF 0 | Existing retirement assets at the time of death ./. Present value of pensions + purchases without interest, minus early withdrawal under the home ownership scheme / divorce settlement at least 100% of insured salary (Art. 18) |
| Comparison | BVG | comPlan Duoprimat |
|---|---|---|
| Interest rates over the last 5 years (minimum interest rate) |
||
| Year | ||
| 2020 | 1,00% | 1,00% |
| 2021 | 1,00% | 3,50% |
| 2022 | 1,00% | 1,50% |
| 2023 | 1,00% | 1,75% |
| 2024 | 1,25% | 6,00% |
| 2025 | 1,25% (Art. 15 Abs. 2 and 3 BVG; Art. 12 BVV2) |
5.25% (Art. 9 Abs. 3) |
Conclusion
comPlan's terms and conditions clearly exceed the mandatory requirements. The comparison is based on a selection of the most important elements of the pension benefits. No guarantee of completeness.