What is the minimum and maximum salary for membership of a pension fund?
- BVG minimum wage (entry threshold): CHF 22,680 in 2025 (CHF 22,050 in 2024)
If the BVG/LPP minimum salary corresponds to the entry threshold, the full coordination deduction is not applied. Instead, the insured salary will be CHF 3,780 (2025). The latter is called minimum coordinated salary.
- Maximum BVG salary (ceiling): CHF 90,720 in 2025 (CHF 88,200 in 2024)
The maximum BVG/LPP salary is reduced by the coordination deduction amounting to CHF 26,460 (2025). The result represents the maximum coordinated salarywhich corresponds to the insured salary. The latter amounts to CHF 64,260.
Frequently asked questions about BVG insured salaries
Beyond CHF 90,720Although there is no longer any legal obligation to do so, most employers offer a supplementary insurance.
- The maximum insurable salary in this context can reach CHF 907'200 (i.e. 10 times the mandatory BVG/LPP ceiling).
- There is no binding legal rules contributions, interest rates or conversion rates.
You are not insured mandatory as part of an occupational pension plan. However, an employer may decide to affiliate voluntarily employees to the pension fund, even if their income is below the legal threshold.
You cannot join alone to the LPP if you are an employee.
Yes, as a self-employed person recognized by the AVS, you can join voluntarily to a pension fund (LPP). Such membership is not compulsory, but is possible with certain institutions open to the self-employed, such as the BVG Substitute Occupational Benefit Institution Foundation or private group insurance.
You will then have to pay theinteger contributions (employer + employee) and define the level of coverage yourself. This allows you to build up a retirement capital and benefit from tax deductionslike employees.
If you do not join a pension fund, you can still contribute to the 3rd pillar Aup to CHF 36,288 per year by 2025 (20 % of net AHV income).
Life coordination deduction is used to exclude from the occupational pension plan (2nd pillar) the portion of income already covered by theAHV/IV (1st pillar). By 2025, it will have risen to CHF 26,4607/8 of the maximum annual AVS pension.
In practical terms, this means that only the salary in excess of this deduction is covered by the BVG. This is known as the coordinated salary.
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