Many employees find the transition to retirement age difficult. Responsible employers deal with the issue of pension planning proactively and early on – for example, in the form of a staff briefing.
The Swiss pension system is considered one of the world’s best. But it is also complex. So employees appreciate it greatly when their employer actively helps them to understand the three-pillar model and assists them with financial planning. By doing so, employers not only make themselves more attractive, they also assume responsibility for their employees, especially the older ones.
Das Schweizer Vorsorgesystem gilt weltweit als eines der besten. Aber es ist auch komplex. Angestellte schätzen es daher sehr, wenn sie der Arbeitgeber beim Verständnis des Dreisäulenmodells und bei der Finanzplanung aktiv unterstützt. Arbeitgeber erhöhen dadurch nicht nur ihre Attraktivität, sie nehmen auch Verantwortung gerade gegenüber älteren Mitarbeitenden wahr.An effective tool is the staff briefing: invite a representative of your employee benefits institution to the briefing. At the staff briefing, the pension expert can provide background information, explain the individual options to your employees and answer their questions. This sort of event is often the first step in overcoming hurdles to understanding the topic of pensions, which is frequently viewed as abstract. It is not enough to simply provide employees with the annual BVG statement. Doing no more than this would leave employees insufficiently aware that income from a BVG pension and AHV are often not enough to maintain their current standard of living.
Voluntary and private provisions
Also encourage your employees to think about financial and pension planning early on. This will make clear all their assets and potential income. Possible gaps can be closed through a voluntary pension fund purchase or by concluding a 3a policy or opening a 3a account.
For you, as an employer, the pension system offers further opportunities. For example, you can increase the loyalty of your managers towards the company by offering them an additional pension. Or you can make yourself more attractive as an employer if you pay a little more than the legally required half of contributions for your employees.