{"id":334,"date":"2021-11-08T08:03:37","date_gmt":"2021-11-08T08:03:37","guid":{"rendered":"https:\/\/integration.ow.ch\/?post_type=faq&#038;p=334"},"modified":"2025-06-06T09:15:14","modified_gmt":"2025-06-06T07:15:14","slug":"01-wie-funktioniert-die-alters-und-hinterlassenenversicherung-ahv","status":"publish","type":"faq","link":"https:\/\/integration.ow.ch\/fr\/faq\/01-wie-funktioniert-die-alters-und-hinterlassenenversicherung-ahv\/","title":{"rendered":"01. Wie funktioniert die Altersvorsorge in der Schweiz?"},"content":{"rendered":"<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F1-2_25749200_Eric_Fahrner_481190d997.jpg\" alt=\"\" class=\"wp-image-335\" style=\"width:300px;height:203px\"\/><\/figure>\n\n\n\n<p>En Suisse, l'\u00e2ge de la retraite commence \u00e0 64 ans pour les femmes et \u00e0 65 ans pour les hommes.<\/p>\n<\/div><\/div>\n\n\n\n<p>In der Schweiz baut die Altersvorsorge auf einem 3-S\u00e4ulen System auf:<br><strong>Pr\u00e9voyance \u00e9tatique : <\/strong><br>Inhalt: Alters- und Hinterlassenenversicherung (AHV) und Invalidenversicherung (IV)<br>Ziel: Sicherung der Existenz<br>Responsable : \u00c9tat<br><br><strong>Pr\u00e9voyance professionnelle <\/strong>(2e pilier) :<br>Inhalt: Pensionskasse (PK)<br>Objectif : maintenir le niveau de vie<br>Responsable : employeur<br><br><strong>Pr\u00e9voyance priv\u00e9e<\/strong> (3e pilier) :<br>Contenu : pr\u00e9voyance li\u00e9e (pilier 3a) et pr\u00e9voyance libre (pilier 3b)<br>Objectif : besoins suppl\u00e9mentaires<br>Responsable : responsabilit\u00e9 personnelle<\/p>","protected":false},"author":2,"template":"","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"faq_groups":[11],"class_list":["post-334","faq","type-faq","status-publish","hentry","faq-group-sozialversicherungen"],"uagb_featured_image_src":[],"uagb_author_info":{"display_name":"SAOW","author_link":"https:\/\/integration.ow.ch\/fr\/author\/saow\/"},"uagb_comment_info":0,"uagb_excerpt":"Das Rentenalter beginnt in der Schweiz f\u00fcr Frauen mit 64, f\u00fcr M\u00e4nner mit 65 Jahren. In der Schweiz baut die Altersvorsorge auf einem 3-S\u00e4ulen System auf:Staatliche Vorsorge: Inhalt: Alters- und Hinterlassenenversicherung (AHV) und Invalidenversicherung (IV)Ziel: Sicherung der ExistenzVerantwortlich: Staat Berufliche Vorsorge (2. S\u00e4ule):Inhalt: Pensionskasse (PK)Ziel: Lebensstandard beibehaltenVerantwortlich: Arbeitgeber Private Vorsorge (3. S\u00e4ule):Inhalt: gebundene Vorsorge (S\u00e4ule\u2026","_links":{"self":[{"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/faqs\/334","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/faqs"}],"about":[{"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/types\/faq"}],"author":[{"embeddable":true,"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/media?parent=334"}],"wp:term":[{"taxonomy":"faq-group","embeddable":true,"href":"https:\/\/integration.ow.ch\/fr\/wp-json\/wp\/v2\/faq_groups?post=334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}