AHV deferral
Starting the AHV old-age pension after the reference age, for one to five years, with a lifelong supplement.
The supplement rises from 5.2 % after one year to 31.5 % after five.
Tools that use it
Related terms
- Reference ageThe AHV age at which the regular old-age pension starts: 65, with a transition for women born 1961 to 1963.
- AHV early drawStarting the AHV old-age pension before the reference age, from 63, with a lifelong reduction.
- AHV (old-age and survivors’ insurance)The first pillar of the Swiss pension system, paying a pension from the reference age based on income and contribution years.
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Swiss pensions
AHV when you stop early: how to avoid gaps in your pension
Stop working at 45 and your AHV pension can shrink for life. How contribution years work, what non-employed people pay and how to close the gap.