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Retirement

The 1st pillar, the first stage in your pension provision

The first pillar is compulsory insurance for all Swiss residents and employees.
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hero 1er pilier
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hero 1er pilier

Retirement, disability and death

The 1st pillar is made up of three essential components: old age and survivors' insurance (AVS), disability insurance (AI) and supplementary benefits (PC). Its main objective is to ensure that your basic financial needs are met throughout your life, taking into account old age, disability and death.

AVS

The AVS is designed for retired individuals aged 65 (with the possibility of early retirement two years in advance) and for surviving spouses and orphans in the event of premature death (note that specific conditions are necessary to claim these benefits). However, the benefits provided by the AVS are limited and often need to be supplemented through another pension scheme.

AI

The AI scheme covers all individuals residing in Switzerland or engaged in gainful employment in Switzerland. AI is designed to support individuals with disabilities. Its primary mission is to facilitate the reintegration of people into society through appropriate measures, provide compensation for the economic consequences of disability, promote independence among insured persons, and encourage employers to hire individuals with disabilities.
Frequently asked questions

Learn more about the 1st pillar

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Investment

Investment

From investment advice to delegated portfolio management, we are dedicated to safeguarding your capital and securing its growth by identifying investment solutions that align seamlessly with your values, goals, and the assurance of peace of mind.

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Webinars & events

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Academy

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

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