We are pleased to introduce our new 90/90 pension model, which is now available to all Avanea Pensionskasse members. This innovative model has been developed to ensure even more flexible and secure retirement provision.
What is the 90/90 pension model?
The 90/90 pension model is based on the idea of paying out 90% of the retirement pension in a fixed and secure manner, while the remaining 10% can be used to finance a higher spouse’s pension. This flexibility enables insured persons to respond individually to their personal needs and circumstances.
Main advantages of the 90/90 pension model:
Planning security: 90% of your retirement pension is paid as a fixed, guaranteed payment. In the event of your death as a pensioner, your surviving spouse will receive the same amount as a spouse’s pension. This provides a solid foundation and ensures financial stability and security.
How does the 90/90 pension model work?
The insured person can opt for the 90/90 pension model before the first pension is paid out, provided this does not fall below the BVG minimum benefits. In this case, the calculated retirement pension is reduced by 10%. In contrast, the spouse’s prospective retirement pension is increased to 100%. In the event of death, the spouse thus receives a spouse’s retirement pension that is the same as the retirement pension.
Example: Man, married, retirement assets at retirement age CHF 300,000. Age at retirement 65 years
Traditional: CHF 300,000 x conversion rate of 6.1% results in a retirement pension of
CHF 18,300.00 and a prospective spouse’s retirement pension of CHF 10,980.00
Model 90/90: CHF 300,000 x conversion rate of 6.1% x 90% results in a retirement pension of CHF 16,470.00 and an unchanged reversionary spouse’s retirement pension of CHF 16,470.00.
Who can benefit from the 90/90 pension model?
The 90/90 pension model is open to all Avanea Pensionskasse policyholders. It is aimed in particular at those who, in addition to a stable pension, also value flexibility and want to structure their pension individually.
Further information and advice:
We will be happy to provide you with detailed information and personal advice on the 90/90 pension model. Contact our team and let’s work together to find the best solution for your retirement provision.
Your Avanea Pensionskasse team is looking forward to offering you an innovative and flexible retirement provision option with the 90/90 pension model. Start today into a secure and individual future!