Key figures

Key figures

Transparency is a key value at Asga. This is why we attach a great deal of importance to communicating our business performance and key figures clearly, precisely and with a transparent timeline.

0 %
Funded status / 28.02.2023 — unaudited
0
Insured persons / 31.12.2022 — unaudited
0
Member firms / 31.12.2022 — unaudited

* Performance since 01.01. of the calendar year, unaudited.
** Estimated funded status, end of February 2023, unaudited.

Interest on free assets: 0.05 %
Interest on employer contribution reserves: 0.05 %

YearMan (normal retirement age 65)Woman (normal retirement age 64)
20235,60 %5,45 %
20245,40 %5,25 %
20255,20 %5,05 %
20265,20 %5,05 %

Percentage reduction in the case of early retirement

AgeReduction per year
58 – 64 / 65– 0,15 %

In the case of early retirement, the annual pension is reduced by -0.15%. Since pensions are paid out monthly, the reduction has to be divided by 12.

Example

Normal retirement in 2022 at age 65
Conversion rate /strong>5,80 %
Reduction -0.15% per year-0,30 %
Early retirement in 2020 (2 years)at age 63
Conversion rate applied6,20 % (2020) -0,30 % (Reduction early retirement) = 5,90 %

*The mandatory conversion rate of 6.80% on the mandatory retirement savings capital is applied when calculating the retirement pension and, in any case, guarantees the statutory minimum pension.

Percentage increase when retirement is deferred

AgeSupplement per year
64 / 65 – 67+ 0,15 %
68 – 70+ 0,20 %

Anyone who continues working beyond the normal retirement age profits from an annual supplement.

Example

Normal retirement in 2022at age 65
Conversion rate5,80 %
Increase +0.15% per year+0,30 %
Deferred retirement in 2024
(2 years)
at age 67
Conversion rate applied6,10 %*

*The mandatory conversion rate of 6.80% on the mandatory retirement savings capital is applied when calculating the retirement pension and, in any case, guarantees the statutory minimum pension.

AHV/AVS20222023
Maximum annual AHV/AVS retirement pension28’68029’400
Minimum annual AHV/AVS retirement pension14’34014’700
Occupational pension benefits (BVG/LPP)20222023
Minimum annual salary (minimum entry threshold)21’51022’050
Coordination deduction25’09525’725
Upper limit86’04088’200
Maximum co-ordinated salary60’94562’475
Minimum co-ordinated salary3’5853’675
Minimum BVG/LPP interest rate1,00 %1,00 %
Conversion rate at BVG/LPP retirement age (men)6,80 %6,80 %
Conversion rate at BVG/LPP retirement age (women)6,80 %6,80 %
Tied pillar 3a private pension plan20222023
Maximum permitted tax deduction for contributions to recognised pension plans:
If a member of a 2nd pillar occupational benefits institution6’8837’056
If not a member of a 2nd pillar occupational benefits institution34’41635’280

Key figures as of 31.12.2022

(unaudited)

Member firms16'332
Insured persons151'984
Retirement pensioners13'343
Partner pensioners1'200
IV/AI disability pensions2'692
Divorced pensioners16
Interest2,25 %
Funded status109,50%

Performance

Interest on retirement assets

Actuarial interest rate

Contributions

Balance sheet total

Ratio of active insureds to pensioners