Struggling to understand my 2nd pillar contributions
Edit: SOLVED its the Risikokostenbeitrag thats responsible for the difference. Not very useful for me as im not married but oh well. Ty for the quick answers, yall are great :)
Hello all,
today I had the pleasure of reading my second pillar Vorsorgeausweis. Including gems such as a 1.25% interest. What did surprise me however is my yearly contributions, they seem very low at 3887 CHF per year.
I make 82k of which 55.5k are insured. So far so terrible. But on my Lohnausweis I get 188 CHF per month deducted, knowing my generous employer matches 1:1 that comes out at 376 CHF per month or 4512 CHF per year. Which if my math is correct is about 625 CHF more than what is stated on my Vorsorgeausweis.
Does anyone have any resources or insights into why that might be? Or am I missing something?
Also if you know of a good 2nd pillar im happy to hear about them, we are only 3 employees in CH and im the only swiss one so I might be able to sway HQ in Germany towards a better provider. Currently we are with Zurich Vita.
Ty all in advance :)