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The aim of the occupational pension scheme (2nd pillar), together with the 1st pillar (AHV/IV), is to provide insured persons with a pension income of approximately 60 percent of their last salary. Every employer must either have its own pension fund or join an existing pension fund, collective or joint scheme. Employees aged 18 and over are compulsorily insured against the risks of death and disability. In addition, from the age of 25, the accrual of the retirement pension begins, provided that the minimum annual income exceeds CHF 22’050 (entry threshold as of 2023).