How to secure a maximal retirement pension?

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The maximal OASI pension for a single person is 2,390 CHF per month, whereas the maximal pension for a married couple is 3,585 per month. 

Are you single and/or plan to be until you retire? Then you will have had to earn the modest sum of 86,040 CHF per year on average over the course of your 43 or 44 years of activity in order to benefit from the maximal pension. 

the maximum AHV pensions based on your annual salary and marital status

According to a ‘Tribune de Genève’ article from 2018, a mere third of Swiss single people benefit from a maximal OASI pension. Which makes sense, since the average full-time income is 74,000 CHF. 

With an average annual income of 90,000 CHF per married couple during the legal timeframe, the love duet received the maximal pension, divided in proportion to their income. 

For instance, if I am entitled to a 1,877 CHF pension and my future wife is entitled to a 2’029 CHF pension, together, we will only be able to get 3’585 CHF. Each pension will be reduced proportionally to reach the maximal amount. In our example:

Diagram of the maximum AHV 1st pillar pension depending on marital status for retirement

In order to determine how much each person will get from this maximal amount, the calculation is the following:

How to calculate AHV pensions for a married couple if the maximum pension is reached.

For a more encouraging figure, 50% of Swiss couples receive a the maximal OASI pension. Oh, the joys of love!  

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