Mercer | MMGPI 2016 Switzerland

Switzerland

Switzerland’s retirement income system comprises an earnings-related public pension with a minimum pension; a mandatory occupational pension system where the contribution rates increase with age; and voluntary pension plans which are offered by insurance companies and authorised banking foundations.

The overall index value for the Swiss system could be increased by:

  • ƒƒIntroducing a requirement that part of the retirement benefit must be taken as an income streamƒƒ
  • Reversing the preferential tax treatment of lump sum payments in comparison to pension payments
  • Increasing the state pension age over time
  • Increasing the rate of home ownership
  • Reducing pre-retirement leakage by further limiting access to funds before retirement

The Swiss index value decreased from 74.2 in 2015 to 68.6 in 2016 primarily due to a reduction in the net replacement rate.

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