{"id":63441,"date":"2026-06-03T17:57:26","date_gmt":"2026-06-03T15:57:26","guid":{"rendered":"https:\/\/syndicom.ch\/?page_id=63441"},"modified":"2026-06-12T10:03:03","modified_gmt":"2026-06-12T08:03:03","slug":"complan-swisscom-pension-fund","status":"publish","type":"page","link":"https:\/\/syndicom.ch\/en\/complan-swisscom-pension-fund\/","title":{"rendered":"comPlan: Swisscom pension fund"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-primary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-background-color has-text-color has-link-color wp-elements-45b30cae33d4e1ee665c29e2d29b4792\">comPlan: Everything you need to know about the Swisscom pension fund<\/h1>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"is-style-lead has-background-color has-text-color has-link-color wp-elements-a0cd79cfb7eb999116c97722286dae34 wp-block-paragraph\">If you work for Swisscom or one of its subsidiaries, you are insured with the comPlan pension fund. syndicom is represented on the Board of Trustees, comPlan&#8217;s highest governing body, and has been successfully advocating for your interests for many years.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-group is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-fa1b69be wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>The purpose of comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">comPlan is your pension fund if you work for Swisscom or one of its subsidiaries. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The pension fund insures you against the financial consequences of old age, death, and disability. Its purpose is to provide mandatory and supplementary occupational pension provision (2nd pillar of the pension system). It is therefore a social insurance program and, together with the AHV (Swiss old-age and survivors&#8217; insurance), is designed to ensure you a good pension in old age.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What does the Board of Trustees do?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Board of Trustees<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\">sets the pension fund&#8217;s performance targets<\/li>\n\n\n\n<li class=\"is-style-check\">determines the conversion rate<\/li>\n\n\n\n<li class=\"is-style-check\">establishes the investment strategy<\/li>\n\n\n\n<li class=\"is-style-check\">regulates management<\/li>\n\n\n\n<li class=\"is-style-check\">decides on the annual interest rate for the assets of actively insured members<\/li>\n\n\n\n<li class=\"is-style-check\">decides on the use of surplus funds<\/li>\n\n\n\n<li class=\"is-style-check\">determines any potential participation by pensioners.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">syndicom is a social partner of Swisscom. This social partnership rests on three pillars:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>We negotiate the collective labor agreement (CLA).<\/li>\n\n\n\n<li>We negotiate the social plan (which applies in the event of redundancies due to operational reasons).<\/li>\n\n\n\n<li>We are represented on the Board of Trustees of comPlan, the pension fund&#8217;s highest governing body.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We ensure a strong voice for employees on the Board of Trustees.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The union on the Board of Trustees<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We have a say in the following decisions of the Board of Trustees:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"is-style-check\"><strong>Interest rate scheme: <\/strong>How much interest will be paid on retirement savings, and in accordance with which criteria?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Participation scheme: <\/strong>How can retirees benefit from one-off payments and cost-of-living adjustments?<\/li>\n\n\n\n<li class=\"is-style-check\"><strong>Restructuring scheme:<\/strong> How can the funding ratio be maintained?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not sure what this all means? <a href=\"#glossary\" type=\"internal\" id=\"#glossary\">Click here to consult our glossary.<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-tertiary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Your involvement with comPlan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Elections for comPlan\u2019s Board of Trustees will take place in September 2026. You can elect half of the Board of Trustee members yourself \u2013 the employee representatives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/syndicom.ch\/en\/complan-elections-2026\/\" type=\"page\" id=\"63426\"><strong>Click here to see our can<\/strong><\/a><a href=\"https:\/\/syndicom.ch\/en\/complan-elections-2026\/\" type=\"page\" id=\"63426\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>didates.<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 id=\"glossary\" class=\"wp-block-heading\"><strong><strong>Glossary of occupational pension funds (2nd pillar)<\/strong><\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-style-default is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-ad3c5208 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Board-of-Trustees\" type=\"internal\" id=\"#Board-of-Trustees\">B<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Conversion-rate\" type=\"internal\" id=\"#Conversion-rate\">C<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Death-benefits\" type=\"internal\" id=\"#Death-benefits\">D<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Early-retirement\" type=\"internal\" id=\"#Early-retirement\">E<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Financial-restructuring\" type=\"internal\" id=\"#Financial-restructuring\">F<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Insured-salary\" type=\"internal\" id=\"#Insured-salary\">I<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Lump-sum-withdrawals\" type=\"internal\" id=\"#Lump-sum-withdrawals\">L<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#OASI\" type=\"internal\" id=\"#OASI\">O<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Partial-retirement\" type=\"internal\" id=\"#Partial-retirement\">P<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Retirement-assets\" type=\"internal\" id=\"#Retirement-assets\">R<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Social-partnership\" type=\"internal\" id=\"#Social-partnership\">S<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"#Technical-interest-rate\" type=\"internal\" id=\"#Technical-interest-rate\"><strong>T<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"#Value-fluctuation-reserves\" type=\"internal\" id=\"#Value-fluctuation-reserves\">V<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group is-style-narrow is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Board-of-Trustees\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-cb84f54fe1a4c45300585fba2a8dd443\"><strong><strong>Board of Trustees<\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The Board of Trustees is the highest governing body of a pension fund. It decides on key issues such as benefits, financing, investment strategy, and regulations. Employee representatives play an important role because parity in leadership is enshrined in law.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-98198a426c7d5f9f17fd19452b28f37c wp-block-paragraph\"><strong>Why this is important: <\/strong>Board of Trustees elections directly influence the future of the pension fund and its members.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Conversion-rate\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-ca621e3cf6865e1a6687695eed2ebb03\"><strong><strong><strong>Conversion rate<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The conversion rate determines how an annual pension is calculated from the accumulated retirement assets. A lower conversion rate results in lower pensions for the same amount of capital.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-ba7db09bed2224862ea3830ff9e424fa wp-block-paragraph\"><strong>Why this is important<\/strong>: The conversion rate is one of the most important factors influencing the amount of the OASI pension and is decided by the foundation&#8217;s Board of Trustees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-a97ccdb68b696ef0b6827b8ca1e7c56d\"><strong><strong><strong><strong>Coordination deduction<\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The coordination deduction takes into account the benefits provided by the AHV (old-age and survivors&#8217; insurance) and reduces the insured salary in the 2nd pillar. The coordination deduction disadvantages lower-income earners and part-time workers, as their insured salary is disproportionately limited.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-5c16448f324fd73d700c6f605282563a wp-block-paragraph\"><strong>Why this is important<\/strong>: comPlan waives the coordination deduction, resulting in higher benefits for all insured individuals.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-6595f7bc3719f32c6958645ab708bbd2\"><strong><strong><strong><strong><strong>Coverage rate<\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The coverage rate shows the relationship between a pension fund&#8217;s assets and liabilities. A coverage rate of 100% means that the fund theoretically has sufficient funds to meet its obligations.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-5a545055dd1f9ac113940d59e2c1c627 wp-block-paragraph\"><strong>Why this is important<\/strong>: The coverage rate influences the scope for benefits and returns.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Death-benefits\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-92a6835313c7b8ac9c338ed76c21d04f\"><strong><strong><strong><strong><strong><strong>Death benefits<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Death benefits are payments to surviving dependents, such as spouses, registered partners, or other designated beneficiaries.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-d95f9fa75064dd01b0a60b2fb0dc162a wp-block-paragraph\"><strong>Why this is important<\/strong>: Without death benefits, surviving dependents face social decline and poverty.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-d66583a9d166ce529aa13c81c19e6cc0\"><strong><strong><strong><strong><strong><strong><strong>Defined contribution pension scheme<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">With a defined contribution pension scheme, the future pension is derived from the accumulated capital. Most pension funds \u2013 including comPlan \u2013 operate on this principle.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-217f20d4ba65a000b353be14e68b943e wp-block-paragraph\"><strong>Why this is important<\/strong>: The higher the salary, the higher the accumulated capital will be upon retirement. Therefore, syndicom generally demands a salary increase during annual wage negotiations, rather than one-off payments that are not covered.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Early-retirement\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-220ac104dce0defa0f8a820807625dea\"><strong><strong><strong><strong><strong><strong><strong><strong>Early retirement<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Early retirement refers to retiring before the standard retirement age. Because contributions are paid for a shorter period and the pension is paid out for a longer time, this often leads to pension reductions.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f4e5b438a88da805f47fffda74406c72 wp-block-paragraph\"><strong>Why this is important: <\/strong>Thanks to the bridging pension that Swisscom grants until the standard AHV (old-age and survivors&#8217; insurance) retirement age, early retirement is possible for many employees of Swisscom and its subsidiaries. In 2018, Swisscom wanted to abolish the bridging pension. Syndicom successfully fought against this.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-f17218b436f4424a90875e2a004697da\"><strong><strong><strong><strong><strong><strong><strong><strong><strong>ESG \/ ESG impact<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">ESG stands for Environmental, Social, and Governance. Increasingly important is not only how investments are made, but also the real impact of those investments \u2013 for example, on the climate, human rights, or working conditions.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-52d17b708080a87fcc5147c5c5ea687f wp-block-paragraph\"><strong>Why this is important<\/strong>: Pension fund assets in Switzerland amount to approximately CHF 1.2 trillion. This capital should not be used to cause harm. Rather, it is our responsibility to protect the climate and human rights.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Financial-restructuring\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-fc6ab71e6d39bb82f459b6f98afed23b\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Financial restructuring<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">If a pension fund experiences a significant financial shortfall, restructuring measures may be necessary. These include, for example, lower interest rates, additional contributions, or employer contributions.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-54ec6ddbfda5526aadfe95f2ffa6f691 wp-block-paragraph\"><strong>Why this is important: <\/strong>Who bears the burden of restructuring is a key question of fairness and social partnership.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-5c8ae42188e6422146a7693af7def9c0\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Free resources<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Free resources exist when, after fully covering all actuarial obligations and establishing the necessary reserves (in particular the value fluctuation reserves), a surplus of pension assets remains.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-62c6a803e370351fce8564f560d4e8fd wp-block-paragraph\"><strong>Why this is important<\/strong>: When the threshold for resources is reached, pensioners, for example, can also participate in comPlan&#8217;s success (with any necessary cost-of-living adjustment).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Insured-salary\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-99bf1b02876246957918cf882b66022b\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Insured salary<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Insured salary is the portion of income that is covered in the pension fund. Contributions and future benefits depend on it.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-1c1c971747dc2737c7980273cfb225a3 wp-block-paragraph\"><strong>Why this is important<\/strong>: In its social partnership with Swisscom, syndicom consistently advocates for insured salary increases during the annual wage negotiations, not for one-off payments.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-321a8840d1cc9b464f3953287a1e25ff\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Interest rate<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The interest rate determines the rate at which your retirement savings grow. A good interest rate strengthens your retirement capital and thus your future pension.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-24cd92e40aaabb0f45d12101cb8d0387 wp-block-paragraph\"><strong>Why this is important<\/strong>: Thanks to comPlan&#8217;s stable financial situation (high coverage rate and above-average returns), the Board of Trustees has been able to approve a high interest rate in recent years.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-d61059c63b9fde591655feb283d8cffa\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Investments<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Pension funds invest their retirement savings in a diversified manner, for example in stocks, bonds, or real estate foundations. The goal is long-term returns alongside acceptable risks.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-a1a0a0040855a649d86261968ae38129 wp-block-paragraph\"><strong>Why this is important: <\/strong>Investment decisions influence returns, costs, sustainability, and ultimately, benefits.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Lump-sum-withdrawals\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-35edd407468d0adcdc4ccde1f94ac3f0\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Lump-sum withdrawals<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">When you retire, part or all of your retirement savings can be withdrawn as a lump sum. Anyone who receives a lump sum receives a lower pension or no pension at all.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-c91ef0aea7fef8c49ebb02b845690a99 wp-block-paragraph\"><strong>Why this is important:<\/strong> Whether you withdraw your retirement savings as a lump sum or as a pension is one of the most important of life\u2019s decisions. The <a href=\"https:\/\/syndicom.ch\/pensionierungsberatung\/\" target=\"_blank\" rel=\"noreferrer noopener\">pension advisers at syndicom<\/a> will competently and free of charge show employees of Swisscom and its subsidiaries what to take into account when making this decision.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"OASI\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-a8986fb1a1b43b1d0ad63bb64f155701\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>OASI pension<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The OASI pension is the lifelong monthly benefit paid after retirement. Its amount depends primarily on the accumulated retirement assets and the conversion rate.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-c69044801381736d9db16d1b5e691074 wp-block-paragraph\"><strong>Why this is important<\/strong>: Good OASI pensions don&#8217;t just happen. They depend on the benefits, financing, and returns (investment success) of the pension fund \u2013 and therefore on decisions made by the Board of Trustees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-48b8f7c549ff9ec9fc220125adbf65f5\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Over-obligatory scheme or pillar 2b<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Pillar 2b refers to benefits that exceed the statutory minimum benefits under the Swiss Federal Law on Occupational Old Age, Survivors&#8217; and Invalidity Pension Provision (BVG). At comPlan, for example, even higher salaries are fully covered.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-cc76deb7db23bee740d8529692eb8e4a wp-block-paragraph\"><strong>Why this is important<\/strong>: When executives with top salaries are also fully covered by comPlan, it strengthens their loyalty to the Swisscom pension fund.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Partial-retirement\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-ea7ba8f6513d6c0d98a51797ad5875fd\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Partial retirement<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">With partial retirement, employment is gradually reduced rather than ended abruptly. Flexible models can facilitate the transition to retirement.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-7b9700c31a20ea0470bcf7641b37ed6c wp-block-paragraph\"><strong>Why this is important<\/strong>: syndicom has negotiated temporary partial retirement models with Swisscom. The upcoming CLA negotiations aim to secure and further develop these models.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-e5e773ad020da338b3f12b3defff528d\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>PUBLICA<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong> (<strong>Swiss Public Pension Fund<\/strong>)<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The Swiss Public Pension Fund PUBLICA organizes occupational pension funds. It manages contributions, invests pension assets, and pays benefits upon old age, disability, and death.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f8b1661c0d232271461d256092a959d0 wp-block-paragraph\"><strong>Why this is important<\/strong>: The AHV (old-age and survivors&#8217; insurance) is an achievement of the unions. Today&#8217;s pension fund system is an achievement of social partnership and the Swiss compromise model. Without pension funds, poverty in old age would be widespread (as it was in our great-grandparents&#8217; time).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 id=\"Retirement-assets\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-a86e7e55b255971333a4470aafd10dcc\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Retirement assets<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Retirement assets are the accumulated pension capital of an insured person. They grow through contributions from employees and employers, as well as through the interest rate.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-045abbbd4b272bc6dbf3dedf82f8289c wp-block-paragraph\"><strong>Why this is important<\/strong>: In the Swisscom Group, the employer pays around 60% of the contributions, and the employees around 40%. This was negotiated jointly by the social partners and is not a given.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-098cf7b9c376827738960e5c30066eb5\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Retirement provision<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Retirement provision in Switzerland is based on three pillars. The AHV (old-age and survivors&#8217; insurance) forms the first pillar and is designed to secure basic needs. Occupational pension funds (2nd pillar) supplement the AHV. Together, they are intended to enable the continuation of one&#8217;s accustomed standard of living. The third pillar is voluntary savings by individuals outside of the social security system.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-f4181a2c49cff43836b69510a0453357 wp-block-paragraph\"><strong>Why this is important<\/strong>: Retirement provision is one of the greatest achievements of the unions. Without it, the vast majority would have to work until into old age. Or they would fall into poverty, which was still widespread 100 years ago.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-8a8a98086f26bc32f0dc24655ed0b0cf\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Returns<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Returns are the profits generated from a pension fund&#8217;s investments. Consistently good returns strengthen financing and benefits.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-60719b94898179acea7bf926643a56df wp-block-paragraph\"><strong>Why this is important<\/strong>: It&#8217;s not just the returns, which form the basis for the interest earned on retirement savings, that matter, but also the risks and costs associated with it. ESG criteria are also taken into account.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-a9510c8793addc4c32392e3dec6b4616\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Risk premium<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The risk premium finances benefits in the event of disability and death. The amount of the risk premium depends, among other things, on the risks of the respective industry.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-ffebdf22a5c71399e4b0a01d1a44f0e6 wp-block-paragraph\"><strong>Why this is important<\/strong>: comPlan is a pension fund that also fulfills the functions of a social insurance system in the event of disability and death. Compared to, for example, large insurance companies, comPlan charges significantly lower risk premiums.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Social-partnership\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-dba4833077ae4cf9c5cba21b05cd06df\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Social partnership<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Social partnership means that employees and employers jointly regulate important issues. In occupational pension funds, this is reflected, among other things, in the equal representation of employers and employees on the Board of Trustees and in the union representation on the Board. These form the foundation for the joint management of the pension fund.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-a97df150b69c617ebdc726929e157169 wp-block-paragraph\"><strong>Why this is important: <\/strong>Swisscom wants to reduce the size of the Board of Trustees and decrease union representation from two to one. Background: This could jeopardize union achievements such as the bridging pension, simply so that Swisscom can cut costs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Technical-interest-rate\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-973f3ff86af562aa6ddf535fae9b4555\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Technical interest rate<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">The technical interest rate is an actuarial assumption about the long-term achievable returns of a pension fund. It influences, among other things, the valuation of liabilities and the financing of pensions.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-adf430520cb9793fc6120742efa36966 wp-block-paragraph\"><strong>Why this is important: <\/strong>The level of the technical interest rate is not an expert decision, but depends on the assessments of the members of the Board of Trustees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<div class=\"wp-block-columns is-style-accordion has-background-background-color has-background is-layout-flex wp-container-core-columns-is-layout-fe72eea7 wp-block-columns-is-layout-flex\" id=\"Value-fluctuation-reserves\">\n<div class=\"wp-block-column has-background-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-7ecf6debf7c601e82468c459e8013cd7\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Value fluctuation reserves<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"is-style-default wp-block-paragraph\">Value fluctuation reserves are financial buffers for poor stock market years or market disruptions. They help a pension fund absorb fluctuations on the financial markets.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-nowrap is-layout-flex wp-container-core-group-is-layout-fe72eea7 wp-block-group-is-layout-flex\"><div class=\"wp-block-icon\"><svg aria-hidden=\"true\" class=\"has-text-color has-primary-color\" focusable=\"false\" style=\"color:var(--wp--preset--color--primary);width:100px;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\">\n\t<path fill-rule=\"evenodd\" d=\"M5.5 12a6.5 6.5 0 1 0 13 0 6.5 6.5 0 0 0-13 0ZM12 4a8 8 0 1 0 0 16 8 8 0 0 0 0-16Zm.75 4v1.5h-1.5V8h1.5Zm0 8v-5h-1.5v5h1.5Z\" \/>\n<\/svg>\n<\/div>\n\n\n<p class=\"has-foreground-color has-text-color has-link-color wp-elements-9a6346d90e01af07d2ea91dc89bc91b7 wp-block-paragraph\"><strong>Why this is important<\/strong>: Without sufficient reserves, crises can more quickly lead to underfunding or pressure on benefits.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you work for Swisscom or one of its subsidiaries, you are insured with the comPlan pension fund. syndicom is represented on the Board of Trustees.<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[],"class_list":["post-63441","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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