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What's the difference between AHV and a pension fund?

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Forum Retirement Forum Pension Funds What's the difference between AHV and a pension fund?

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BenutzernameMoneyland User Questions
Status Member
Registriert seit1/27/17
Beiträge2145

November 13, 2025, 3:56:30 PM

Can you please explain the difference between the Swiss AHV and a Swiss pension fund?

BenutzernameDaniel Dreier
OrtZürich
Status Member
Registriert seit11/30/22
Beiträge73

November 13, 2025, 4:06:59 PM

The OASI (AHV in German, AVS in French) is a basic social old-age insurance scheme that is mandatory for all adult residents of Switzerland. It is part of the first pillar of the Swiss pension system, and provides a basic old-age pension to those who have reached retirement age.

Occupational pension funds are primarily available to people who work and earn an income. They are part of the second pillar of the Swiss pension system, and provide retirees with a supplemental pension on top of the basic OASI pension.

You can find detailed information in the guide to the Swiss three-pillar pension system.