Option plans

Your employer can offer you option plans in the pension fund, giving you the choice of paying in higher or lower savings contributions.

• Higher contributions: If you make higher contributions, your savings capital will grow faster. Your net salary will be slightly lower, but you’ll save on income tax.

• Lower contributions: if you opt for lower contributions, you will have a higher net salary, but your savings capital will grow more slowly.

Good to know

• You can usually choose between three plans: Mini, Midi and Maxi. You can change your choice of plan once a year.

• Your employer is legally obliged to match your contribution regardless of the plan you choose.

What you need to do next

• Ask your employer whether they offer option plans.

• Check your pension certificate to see which plan you are currently on.

• Please notify us of any changes you wish to make

We’re here to help

• Call us: direct line shown on your pension certificate or +41 58 585 33 00

• E-mail us: service@gemini.ch