{"id":58062,"date":"2026-01-21T10:31:16","date_gmt":"2026-01-21T09:31:16","guid":{"rendered":"https:\/\/www.asga.ch\/?page_id=58062"},"modified":"2026-01-23T15:31:54","modified_gmt":"2026-01-23T14:31:54","slug":"retirement","status":"publish","type":"page","link":"https:\/\/www.asga.ch\/en\/employers\/retirement\/","title":{"rendered":"Retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"58062\" class=\"elementor elementor-58062 elementor-56821\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d0763b3 elementor-section-full_width row-with-no-padding-top content-breadcrumbs elementor-section-height-default elementor-section-height-default\" data-id=\"d0763b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-63fc910\" data-id=\"63fc910\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f2a09d elementor-widget elementor-widget-breadcrumbs\" data-id=\"5f2a09d\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.asga.ch\/en\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-72fe0bb elementor-section-full_width row-with-no-padding-top content-titlearea-blue elementor-section-height-default elementor-section-height-default\" data-id=\"72fe0bb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce2a209\" data-id=\"ce2a209\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b829d00 image-box-with-text-fullwidth content-100vw-with-gradient elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"b829d00\" data-element_type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slider\" dir=\"ltr\" data-animation=\"fadeInUp\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-6cc20cf swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Retirement<\/div><div class=\"elementor-slide-description\">Ordinary, early, partial, or deferred retirement<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-bf5097e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"bf5097e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-683dc44\" data-id=\"683dc44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f70a544 has-large-description-style elementor-widget elementor-widget-text-editor\" data-id=\"f70a544\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ordinary retirement takes place upon reaching the reference age. Early retirement is only possible as of age\u00a058, with the option of partial retirement. Alternatively, the pension scheme may be continued on a voluntary basis up to a maximum age of 70 provided that gainful employment with the current employer is continued.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbe2824 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"bbe2824\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Downloads<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea79c54 button-download elementor-widget elementor-widget-button\" data-id=\"ea79c54\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/wp-content\/uploads\/downloads\/merkblaetter\/merkblaetter-e\/altersrente_oder_alterskapital_e.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Retirement pension or lump sum<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef9b8e button-download elementor-widget elementor-widget-button\" data-id=\"6ef9b8e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/wp-content\/uploads\/downloads\/formulare\/formulare-e\/austrittsmeldung_e.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Termination report<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f11be2 button-download elementor-widget elementor-widget-button\" data-id=\"8f11be2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asga.ch\/en\/wp-content\/uploads\/downloads\/formulare\/formulare-e\/mutationsmeldung_teilpensionierung_e.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Notification of changes for partial retirement<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2a86ff9 content-sidebar-list-wrapper\" data-id=\"2a86ff9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-d0f0d2e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0f0d2e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-81899ef content-download-list-inner\" data-id=\"81899ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4977f83 elementor-widget elementor-widget-spacer\" data-id=\"4977f83\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e3053 elementor-widget elementor-widget-text-editor\" data-id=\"53e3053\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For questions regarding retirement:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7e35df has-large-description-style elementor-widget elementor-widget-heading\" data-id=\"e7e35df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">+41 71 228 52 52<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9216220 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9216220\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d5e3a6f\" data-id=\"d5e3a6f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb871b1 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"cb871b1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retirement at the reference age<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a6517 elementor-widget elementor-widget-text-editor\" data-id=\"a2a6517\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ordinary retirement takes place upon reaching the reference age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6fb70c5 elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"6fb70c5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-062f3d1 icon-box-with-text-50vw\" data-id=\"062f3d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-883349c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"883349c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8c11420 icon-box-with-text-50vw-inner\" data-id=\"8c11420\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9d9a15 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a9d9a15\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed9389 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"6ed9389\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7224696 elementor-widget elementor-widget-text-editor\" data-id=\"7224696\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Asga does not impose a deadline for notifying a lump-sum withdrawal. You may therefore make this decision up to the time of your retirement.<\/p><p>Voluntary purchases made during the last three years before retirement are subject to a restriction on capital payout. In some cases, a partial lump-sum withdrawal may also not be possible for tax reasons. Clarification of these matters is the responsibility of the insured person.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9138ef1 icon-box-with-text-50vw\" data-id=\"9138ef1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d657f7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d657f7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-dede362 icon-box-with-text-50vw-inner\" data-id=\"dede362\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae8cea5 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ae8cea5\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-153a04c has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"153a04c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa0b622 elementor-widget elementor-widget-text-editor\" data-id=\"aa0b622\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Your employee automatically receives the retirement documents two months before reaching the reference age in order to inform us of the desired form of benefits.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8af42f7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8af42f7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c4dfcb7\" data-id=\"c4dfcb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0dce128 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"0dce128\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Early retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd141ae elementor-widget elementor-widget-text-editor\" data-id=\"bd141ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Retirement takes place before reaching the reference age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-61e1f2f elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"61e1f2f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a21b7ec icon-box-with-text-50vw\" data-id=\"a21b7ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-9727f2a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9727f2a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1648004 icon-box-with-text-50vw-inner\" data-id=\"1648004\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e202ecc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e202ecc\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf94a47 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"cf94a47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436234d elementor-widget elementor-widget-text-editor\" data-id=\"436234d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Asga does not impose a deadline for notifying a lump-sum withdrawal; you may therefore make this decision up to the time of your retirement. In the case of early retirement, a reduced conversion rate is applied.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a230785 icon-box-with-text-50vw\" data-id=\"a230785\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e94f77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e94f77\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3212139 icon-box-with-text-50vw-inner\" data-id=\"3212139\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6003921 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6003921\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88fe5db has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"88fe5db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07eef9d elementor-widget elementor-widget-text-editor\" data-id=\"07eef9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Two to three months prior to the retirement date, you will submit to us a notice of termination or notify us of the termination via our <a href=\"https:\/\/www.asga.ch\/en\/employers\/asgaonline-en\/\" target=\"_blank\" rel=\"noopener\">online portal<\/a>, adding the remark \u201cearly retirement\u201d.<\/li><li>Your employee receives the retirement documents in order to inform us of the desired form of benefits.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0bd07fb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0bd07fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-832edda\" data-id=\"832edda\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed915ac has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"ed915ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Partial retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d02aee elementor-widget elementor-widget-text-editor\" data-id=\"1d02aee\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>From the age of 58, the insured person may, with the employer\u2019s consent, request partial retirement. The first partial retirement stage must amount to at least 10%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-db9eb37 elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"db9eb37\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9284ea6 icon-box-with-text-50vw\" data-id=\"9284ea6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-1412aab elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1412aab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5fa30fb icon-box-with-text-50vw-inner\" data-id=\"5fa30fb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aee4cbc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"aee4cbc\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6431e8 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"b6431e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f721d2 elementor-widget elementor-widget-text-editor\" data-id=\"8f721d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Any subsequent increase in the degree of employment after partial retirement has been implemented does not affect the partial retirement. If the reduction in salary and degree of employment is only temporary, partial retirement is not possible.<\/li><li>There is a maximum of five partial retirement stages, but the withdrawal of retirement benefit in the form of capital is permitted only up to a maximum of three stages. In the event of more partial retirement stages, the benefits may only be drawn as a pension.<\/li><li>The degree of employment and the salary must be reduced in line with the degree of partial retirement.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0d66fc6 icon-box-with-text-50vw\" data-id=\"0d66fc6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-11b74b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11b74b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-59a9108 icon-box-with-text-50vw-inner\" data-id=\"59a9108\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66d2b25 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"66d2b25\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e31193b has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"e31193b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3603bd6 elementor-widget elementor-widget-text-editor\" data-id=\"3603bd6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Send us the <a href=\"https:\/\/www.asga.ch\/wp-content\/uploads\/downloads\/formulare\/formulare-e\/mutationsmeldung_teilpensionierung_e.pdf\" target=\"_blank\" rel=\"noopener\">form Notification of changes for partial retirement<\/a>.<\/li><li>We will send you a list of benefits\/contributions showing the newly insured salary. The updated insurance certificate is sent directly to the employees concerned.<\/li><li>Payment in the desired form will be made to your employees once all the required details have been provided.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6405581 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6405581\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9021876\" data-id=\"9021876\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5759214 has-medium-title-style elementor-widget elementor-widget-heading\" data-id=\"5759214\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Deferral of retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3732b9e elementor-widget elementor-widget-text-editor\" data-id=\"3732b9e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gainful employment is continued beyond the reference age. In this case, there is the option of continuing the pension scheme on a voluntary basis. Alternatively, it may be continued without contributions; in this case, the accumulated capital will continue to earn interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ed7fbb2 elementor-section-full_width row-with-no-padding-top elementor-section-height-default elementor-section-height-default\" data-id=\"ed7fbb2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8539cc4 icon-box-with-text-50vw\" data-id=\"8539cc4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-836dfbd elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"836dfbd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f65fd1e icon-box-with-text-50vw-inner\" data-id=\"f65fd1e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b7453d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9b7453d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9587b2 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"f9587b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc13ad5 elementor-widget elementor-widget-text-editor\" data-id=\"cc13ad5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>The previous risk contribution is discontinued in full.<\/li><li>The retirement benefits and conversion rate will increase. In the case of non-contributory continuation of pension cover, the retirement benefits increase only by the amount of the current interest.<\/li><li>Definitive withdrawal is possible at any time.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-4d663af icon-box-with-text-50vw\" data-id=\"4d663af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-575d93a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"575d93a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d6cf319 icon-box-with-text-50vw-inner\" data-id=\"d6cf319\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61c027c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"61c027c\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-edit\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-991da85 has-small-title-style elementor-widget elementor-widget-heading\" data-id=\"991da85\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5968534 elementor-widget elementor-widget-text-editor\" data-id=\"5968534\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Please submit a written confirmation signed by both the employer and the employee. This confirmation must state that the employment relationship will continue beyond the ordinary retirement age and that the savings contributions are to be continued on a voluntary basis. The employee decides whether the continuation of pension cover should be with or without savings contributions. The contributions are distributed as before, and administrative costs continue to be incurred in all cases. In principle, contribution parity continues to apply (i.e. as the employer, you must continue to bear at least half of the contributions).<\/li><li>We will send you a list of benefits\/contributions showing the newly insured benefits. The updated insurance certificate is sent directly to the employees concerned.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3d7ddbf elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3d7ddbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8de1b5\" data-id=\"f8de1b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05d3b78 has-large-title-style elementor-widget elementor-widget-heading\" data-id=\"05d3b78\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Also of interest<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96b982d elementor-widget elementor-widget-blog-post-carousel\" data-id=\"96b982d\" data-element_type=\"widget\" data-widget_type=\"blog-post-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"post-items blog-post-carousel\">\n\t\t  \t\n\t\t  \t<article class=\"post-20306 post type-post status-publish format-image has-post-thumbnail hentry category-employee category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/a-co-operative-out-of-conviction\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/a-co-operative-out-of-conviction\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A co-operative out of conviction\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-1536x1024.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">A co-operative out of conviction<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployee, Employer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20249 post type-post status-publish format-image has-post-thumbnail hentry category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/asgaonline-the-practical-easy-way-to-manage-your-companys-occupational-benefits\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/asgaonline-the-practical-easy-way-to-manage-your-companys-occupational-benefits\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1708\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"AsgaOnline: The practical, easy way to manage your company&#8217;s occupational benefits\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-1536x1025.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/asgaonline-7-2048x1366.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">AsgaOnline: The practical, easy way to manage your company&#8217;s occupational benefits<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20046 post type-post status-publish format-image has-post-thumbnail hentry category-employer category-produkte post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/social-partnership-in-practice-our-association-solution\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/social-partnership-in-practice-our-association-solution\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Social partnership in practice: our association solution\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-scaled.jpg 2560w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-300x200.jpg 300w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-1024x683.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-768x512.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-1536x1024.jpg 1536w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/stockbilder\/verbandsloesung-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">Social partnership in practice: our association solution<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployer, Produkte\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t<article class=\"post-20002 post type-post status-publish format-image has-post-thumbnail hentry category-employee category-employer post_format-post-format-image post-single-item\" >\t\n\n\t\t\t\t<a href=\"https:\/\/www.asga.ch\/en\/blog\/getting-the-balance-right-our-measures-for-a-healthy-2nd-pillar-over-the-long-term\/\" class=\"post-link\">\n\t\t\t\t\t\n\t\t\t<a class=\"post-thumbnail\" href=\"https:\/\/www.asga.ch\/en\/blog\/getting-the-balance-right-our-measures-for-a-healthy-2nd-pillar-over-the-long-term\/\" aria-hidden=\"true\" tabindex=\"-1\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Getting the balance right: Our measures for a healthy 2nd pillar over the long term\" srcset=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-scaled.jpg 1707w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-200x300.jpg 200w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-683x1024.jpg 683w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-768x1152.jpg 768w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-1024x1536.jpg 1024w, https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_001-1365x2048.jpg 1365w\" sizes=\"(max-width: 1707px) 100vw, 1707px\" \/>\t\t\t<\/a>\n\n\t\t\t\t\t  \t\t\t<div class=\"post-infos\">\n\t\t  \t\t\t\t<h3 class=\"has-small-title-style\">Getting the balance right: Our measures for a healthy 2nd pillar over the long term<\/h3>\n\t\t\t  \t\t\t<p>\n\t\t\t        \t\tEmployee, Employer\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/p>\n\t\t  \t\t\t<\/div>\n\t\t  \t\t<\/a>\n\n\t\t  \t\t<\/article>\n\n\t\t\t\t\t  \t<\/div>\n\t\t  \t<div class=\"progess-bar\">\n\t\t  \t\t<div class=\"progressbar-inner\"><\/div>\n\t\t  \t<\/div>\n\t\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>RetirementOrdinary, early, partial, or deferred retirement Ordinary retirement takes place upon reaching the reference age. Early retirement is only possible as of age\u00a058, with the option of partial retirement. Alternatively, the pension scheme may be continued on a voluntary basis up to a maximum age of 70 provided that gainful employment with the current employer [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":58057,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"34717,20185,20046,20331,19981,20107","_relevanssi_noindex_reason":"","footnotes":""},"class_list":["post-58062","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement - Asga Pensionskasse<\/title>\n<meta name=\"description\" content=\"Ordinary, early, partial, or deferred retirement\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asga.ch\/en\/employers\/retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement - Asga Pensionskasse\" \/>\n<meta property=\"og:description\" content=\"Ordinary, early, partial, or deferred retirement\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.asga.ch\/en\/employers\/retirement\/\" \/>\n<meta property=\"og:site_name\" content=\"Asga Pensionskasse\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T14:31:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/\",\"url\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/\",\"name\":\"Retirement - Asga Pensionskasse\",\"isPartOf\":{\"@id\":\"https:\/\/www.asga.ch\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\",\"datePublished\":\"2026-01-21T09:31:16+00:00\",\"dateModified\":\"2026-01-23T14:31:54+00:00\",\"description\":\"Ordinary, early, partial, or deferred retirement\",\"breadcrumb\":{\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.asga.ch\/en\/employers\/retirement\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage\",\"url\":\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\",\"contentUrl\":\"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.asga.ch\/en\/employers\/retirement\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.asga.ch\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Employers\",\"item\":\"https:\/\/www.asga.ch\/en\/employers\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Retirement\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.asga.ch\/en\/#website\",\"url\":\"https:\/\/www.asga.ch\/en\/\",\"name\":\"Asga Pensionskasse\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.asga.ch\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.asga.ch\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.asga.ch\/en\/#organization\",\"name\":\"Asga Pensionskasse\",\"url\":\"https:\/\/www.asga.ch\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg\",\"contentUrl\":\"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg\",\"width\":390,\"height\":108,\"caption\":\"Asga Pensionskasse\"},\"image\":{\"@id\":\"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Retirement - Asga Pensionskasse","description":"Ordinary, early, partial, or deferred retirement","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.asga.ch\/en\/employers\/retirement\/","og_locale":"en_US","og_type":"article","og_title":"Retirement - Asga Pensionskasse","og_description":"Ordinary, early, partial, or deferred retirement","og_url":"https:\/\/www.asga.ch\/en\/employers\/retirement\/","og_site_name":"Asga Pensionskasse","article_modified_time":"2026-01-23T14:31:54+00:00","og_image":[{"url":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/","url":"https:\/\/www.asga.ch\/en\/employers\/retirement\/","name":"Retirement - Asga Pensionskasse","isPartOf":{"@id":"https:\/\/www.asga.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage"},"image":{"@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg","datePublished":"2026-01-21T09:31:16+00:00","dateModified":"2026-01-23T14:31:54+00:00","description":"Ordinary, early, partial, or deferred retirement","breadcrumb":{"@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.asga.ch\/en\/employers\/retirement\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/#primaryimage","url":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg","contentUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/bilder\/imagekampagne\/asga_keyvisuals_2021_007-scaled.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.asga.ch\/en\/employers\/retirement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.asga.ch\/en\/"},{"@type":"ListItem","position":2,"name":"Employers","item":"https:\/\/www.asga.ch\/en\/employers\/"},{"@type":"ListItem","position":3,"name":"Retirement"}]},{"@type":"WebSite","@id":"https:\/\/www.asga.ch\/en\/#website","url":"https:\/\/www.asga.ch\/en\/","name":"Asga Pensionskasse","description":"","publisher":{"@id":"https:\/\/www.asga.ch\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.asga.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.asga.ch\/en\/#organization","name":"Asga Pensionskasse","url":"https:\/\/www.asga.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg","contentUrl":"https:\/\/www.asga.ch\/wp-content\/uploads\/system\/logo\/asga_logo-1.svg","width":390,"height":108,"caption":"Asga Pensionskasse"},"image":{"@id":"https:\/\/www.asga.ch\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/58062","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/comments?post=58062"}],"version-history":[{"count":10,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/58062\/revisions"}],"predecessor-version":[{"id":58622,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/58062\/revisions\/58622"}],"up":[{"embeddable":true,"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/pages\/58057"}],"wp:attachment":[{"href":"https:\/\/www.asga.ch\/en\/wp-json\/wp\/v2\/media?parent=58062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}