Whether you are an active or former employee, this page offers a wealth of useful information about your pension plan: the name of your contact, the members of your parity commission, your interest rates, savings contributions and plan type (standard/management), as well the pension plan’s key figures and legal basis.
The approximately 120 people who work at PUBLICA’s office are insured with the PUBLICA pension plan. There is no entry threshold: you can join the PUBLICA pension plan whatever your salary level. And as your employer, PUBLICA will pay the risk premium in full.
In addition, you can make voluntary savings contributions to top up your pillar 2 retirement assets. You can choose between two voluntary options and simulate them on myPublica.
The Swiss Federal Pension Fund PUBLICA is a collective institution comprising eleven open pension plans. The PUBLICA pension plan only insures staff working at PUBLICA’s office. If you are looking for information on another pension plan and are not sure which one you belong to, select your employer here to find the right person to talk to.
Active members and their employers pay contributions based on the insured salary to fund retirement, disability and death benefits. The savings contributions vary, depending on the pension plan type (standard/management) and age. You can also make additional, voluntary savings contributions to top up your retirement assets. Depending on your plan type (standard/management), you can choose from a number of percentage options for your voluntary savings contributions.
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 24 | 4.30% | 4.80% | 9.10% |
| 25 - 34 | 4.75% | 8.00% | 12.75% |
| 35 - 44 | 7.10% | 10.35% | 17.45% |
| 45 - 54 | 9.95% | 14.55% | 24.50% |
| 55 - 65 | 13.40% | 18.20% | 31.60% |
| 66 - 70 | 4.30% | 4.80% | 9.10% |
| Age group | Employee’s savings contribution | Employer’s savings contribution | Total retirement credits |
|---|---|---|---|
| 22 - 24 | 5.80% | 6.30% | 12.10% |
| 25 - 34 | 6.25% | 9.50% | 15.75% |
| 35 - 44 | 8.60% | 11.85% | 20.45% |
| 45 - 54 | 11.45% | 16.05% | 27.50% |
| 55 - 65 | 14.90% | 19.70% | 34.60% |
| 66 - 70 | 4.30% | 4.80% | 9.10% |
| Age group | Option 1 | Option 2 |
|---|---|---|
| 22 - 44 | 1.50% | 3.00% |
| 45 - 70 | 2.25% | 4.50% |
| Age group | Option 1 | Option 2 |
|---|---|---|
| 22 - 44 | 1.00% | 2.00% |
| 45 - 70 | 2.00% | 4.00% |
PUBLICA levies a risk premium of 2% of the insured salary to insure the risks of death and disability. The employer pays this in full.
| Date | Regulatory funded ratio | Economic funded ratio |
|---|---|---|
| 30.09.2024 | 105.50% | 97.50% |
| 30.06.2024 | 104.20% | 97.30% |
| 31.03.2024 | 103.90% | 97.90% |
| 31.12.2023 | 101.40% | 94.90% |
| 30.09.2023 | 98.70% | 95.30% |
| 30.06.2023 | 101.00% | 96.60% |
| 31.03.2023 | 101.10% | 98.50% |
| 31.12.2022 | 99.30% | 99.00% |
| Interest rates | |
|---|---|
| Interest rate on retirement assets 2024 | 2.40% |
| OPA minimum interest rate 2025 | 1.25% |
| Year | Pension assets | OPA minimum interest rate |
|---|---|---|
| 2024 | 2.40% | 1.25% |
| 2023 | 1.00% | 1.00% |
| 2022 | 1.00% | 1.00% |
| 2021 | 1.50% | 1.00% |
| 2020 | 1.00% | 1.00% |
| 2019 | 1.00% | 1.00% |
| 2018 | 1.00% | 1.00% |
| 2017 | 1.00% | 1.00% |
| 2016 | 1.25% | 1.25% |
| 2015 | 1.75% | 1.75% |
| 2014 | 2.00% | 1.75% |
| 2013 | 1.75% | 1.50% |
| 2012 | 1.50% | 1.50% |
| 2011 | 2.00% | 2.00% |
| 2010 | 2.00% | 2.00% |
| Interest rates | 2025 |
|---|---|
| Interest on arrears for subsequent payment of benefits | 2.25% |
| Interest on reimbursement | 1.25% |
| Default interest on reimbursement | 2.25% |
| employment relationship prior to the 1 January after the 21st birthday | 1.25% |
| Interest on vested benefits | 1.25% |
| Default interest on termination benefits | 2.25% |
| Interest on arrears for subsequent payment of termination benefits | 2.25% |
| Interest on reimbursement of vested benefits | 1.25% |
Each plan has its own parity commission. Among other things, it is involved in concluding the contract of affiliation and decides on the use of any surpluses.
The following people were appointed to the parity commission for the term of office from 1 January 2022 to 31 December 2025: