Pension Reform 2020 - visionglobale

What are the features of the Pension Reform 2020? – The main aspects of the reform (AHV, BVG, FZG, BVV3, DBG, StHG)

Harmonisation of the reference age for retirement (AHV and BVG) of men and women to age 65 (gradually between 2018 and 2021)
Flexibility of retirement as regards the AHV: anticipation of 3 years maximum (4.1%, 7.9% and 11.4%) and postponement of 5 years at the most (4.4%, 9.1% 14.2%, 19.7% and 25.5%) with possibility of anticipation/postponement of a portion of the annuity (at least 20%)
Removal of the AHV CHF 16,800 deductible for retired people working, but AHV contributions are constitutive of AHV annuity in case of postponement
Flexibility in retirement for BVG with increase of the minimum age for early retirement at age 62 (transitional regime of 5 years for PI with early retirement at less than 62 years)
Reduction of the conversion rate from 6.8% to 6% in 4 steps (2a):
- 2019: 6,6 %*
- 2020: 6,4 %*
- 2021: 6,2 %*
- 2022: 6,0 %*

Coordination deduction adjustment (BVG: 24,275; BVG2020: 40% of the salary, at least 14,100 and 21,150 maximum)
Increase of the retirement credits (BVG): 7%, 10%, 15%, 18%; BVG2020: 7%, 11%, 16%, 18%)
Guarantee of BVG minimum benefits for the transitional generation from 45 years upwards (by the guarantee fund)

CHF 70.-/ month AHV supplement for new annuitants (2,350 / 2,420) and increase of couple annuity threshold from 150 to 155% (3,525 / 3,751: 42,300/45,012) – this applies to annuities beginning from 01.01.2018 (effective from the 01.01.2019)
Financing:
- Increase of employers/employees AHV premiums of 0.3%** (0.15%/0.15%) after harmonisation of the reference ages, i.e. in 2021
- 0.3% VAT increase (normal rate) on 01.01.2021 (if BVG2020 comes into force)

* with compensatory measures (2a)
**(0.3 point in 2018 through the transfer of the additional financing from IV to AHV)

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