A promotion or a salary increase result in change – with respect to your career as well as your pension provision. This is because generally your pension fund benefits change as well, with a positive impact on your retirement provision.

A career advancement is a major achievement: you receive additional duties, climb up the hierarchy and often receive a higher salary than you did before. In such cases, you should also consider the impact of a salary increase on your pension provision. In this situation, therefore, it makes sense to reassess your budget and your pension planning in order to close any resulting pension gaps. A change of pension funds, for example as a result of a change in companies, can result in better or worse benefits.

  • Finanzen.svg

    1/3 of young Swiss choose to enter the working world upon completion of mandatory schooling

  • Mann-Frau-Familie.svg

    Those who enter the working world with a degree in economics earn the most (approx. CHF 7333)

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    In Switzerland there are approximately 225,000 apprentices and 250,000 students (university, university of applied sciences and teacher training college)

Make sensible use of your salary increase

  • Your previous employer informs the AHV social security administration office and the pension fund as well as the accident and short-term disability benefit insurer about the change of jobs.
  • The new employer then registers you for the relevant insurance.
  • Your second pillar assets are transferred to the new pension fund as vested benefits.

If you change jobs, your pension situation should remain at a level commensurate with your income. Therefore, you should check when your salary is increased whether you have sufficient occupational disability cover in line with your current situation and whether your family is covered optimally in the event of your death.

Check what impact the salary increase has on your pension situation. If necessary, you should adjust your private retirement savings in order to supplement your pension provision sufficiently.

  • Disability/death cover
  • Retirement provision
  • Tax optimisation
  • Real estate/mortgages
  • Wealth formation/accumulation
  • Healthcare insurance
  • Property insurance

Make an appointment for a consultation

We can offer you advice to meet your personal needs: from a free initial consultation to a detailed analysis to tailored planning.


Pension and financial analysis

A significant portion of our advising looks at your new financial situation, taking account of changes in relation to pension funds. If the promotion improves your salary situation, we would be pleased to advise you on potential tax optimisations. In this way, we ensure that you are well advised financially in each life phase.

Important topics

Optimising taxes

Use the opportunities presented by private and occupational provisions to save on taxes in a self-determined manner.

Learn more

Hedging risks

Ensure financial protection in the event of an illness, accident, need for care or death – with risk insurance.

Learn more

Secure your future with pillar 3a

Close gaps, supplement your pension, benefit from tax advantages: with Swiss Life solutions for pillar 3a.

Make an appointment for a consultation

We can offer you advice to meet your personal needs: from a free initial consultation to a detailed analysis to tailored planning.