Services

Pension check

Compare what old-age insurance (AVS/AHV), your pension fund and your insurance policies pay with what you need in case of disability, death and at retirement.

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Your situation

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Age

Dependent children

Gross annual income (CHF)

Status

Relationship status

Age of the youngest child

Partner's annual income (CHF)

Current pension fund savings (CHF, optional)

Sports career ends at (age)

Annual income after the career (CHF)

Daily sickness allowance insurance

2nd pillar (pension fund)

Summary

Risk	Need	Covered	Shortfall	Coverage

Review your options with an independent adviser

This estimate gives an order of magnitude. During a free, no-obligation discovery session, we check your policies and pension funds, then compare the offers on the market. The choice of product and provider remains yours.

+41 79 933 07 29 info@mdcbroker.ch

MDC Broker SA, Rue d'Itagne 10, 3960 Sierre. Fees according to our fee schedule, plus a possible partner commission if a solution is implemented, always disclosed before any mandate.

Assumptions, sources and limits

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Standard of living to maintain (% of gross income)

Household expenses after a death (% of gross income)

Assumed net annual return (%)

Years of retirement to fund

Years of transition after the sports career

2026 figures (Federal Social Insurance Office): AVS/AHV pension of CHF 1,260 to 2,520 per month (13 payments from December 2026), BVG/LPP entry threshold CHF 22,680, coordination deduction CHF 26,460, maximum coordinated salary CHF 64,260, pillar 3a CHF 7,258 with a 2nd pillar and 20% of income, up to CHF 36,288, without.
AVS/AHV: full contribution record with no gaps, pension calculated on scale 44 (art. 34 AHVG/LAVS) from the income entered.
Pension fund: statutory minimum. Retirement credits of 7% (age 25 to 34), 10% (35 to 44), 15% (45 to 54) and 18% (55 to 65). Interest of 1.25%, conversion rate of 6.8%. Your pension fund may offer more.
Disability: full disability pension after a one-year waiting period, BVG/LPP disability pension based on projected savings without interest. Self-employed people have neither accident insurance nor sickness allowance without voluntary cover.
Death: AVS/AHV pension of 80% for a spouse with children and 40% per orphan (together at most 150% of the maximum pension), BVG/LPP pension of 60% for the spouse and 20% per orphan. An unmarried partner receives no AVS/AHV pension.
Limits: simplified estimate, excluding taxes, assets and other income. It does not replace a personal analysis.
Privacy: nothing entered here is stored. Your data is only sent to MDC Broker if you send the summary.