Advanced withdrawal possible by one or two years
Women receive an AHV annuity from the age of 64, men from the age of 65.
If desired, the AHV pension can be drawn one or two years earlier. This is also possible if you continue to work. However, the early withdrawal leads to a reduction of the AHV pension of 6.8 % per year.
|Min. AHV pension|
|Max. AHV pension|
|CHF 1’195||CHF 2’390|
|Advance withdrawal by 1 year||CHF 1’113 (-81)||CHF 2’227 (-163)|
|Advance withdrawal by 2 years||CHF 1’032 (-163)||CHF 2’065 (-325)|
The AHV cannot be withdrawn in advance by individual months, only by full years.
Is it worth postponing?
Dependent on remaining life expectancy
As a rule, an early withdrawal of AHV is not worthwhile. At the beginning, more money is available. But the advantage quickly evaporates. Already at the age of 78 (from 77 for women), you will have received more money from the AHV if you waive the early withdrawal.
However, the average remaining life expectancy at the time of early withdrawal is significantly higher for both men and women:
- Remaining life expectancy man approx. 84 years
- Remaining life expectancy woman approx. 87 years
This is how we calculated
We have assumed a maximum pension and extrapolated it to one year. This results in the following annual pension payments:
- Maximum annual pension without early withdrawal: 28,680 francs
- Maximum annual pension early withdrawal by 1 year: 26,724 francs
- Maximum annual pension early withdrawal by 2 years: 24,780 Swiss francs
We have added up the pensions without interest. This shows that for the first time, at the age of 78, the man’s pension income without early withdrawal exceeds that with early withdrawal.
by 1 year
by 2 years
AHV contribution obligation remains
During the two years when you take your pension in advance, you must continue to pay AHV contributions.
If you are no longer gainfully employed, you must pay the AHV contribution for those who are not gainfully employed. It amounts to at least 503 francs (2021) for single persons and double that for married persons.
If you are gainfully employed, you must continue to make AHV contributions. The exemption limits for retired persons apply only after reaching the regular AHV retirement age.
The AHV annuity is recalculated when the regular AHV retirement age is reached (now including the last two years). Not paying in the minimum amount leads to a contribution gap and thus to an avoidable reduction of the AHV pension.
Impact on other pensions
The early withdrawal may have an impact on other pensions. If you think that you are affected, we recommend the AHV compensation office explains the situation to you.
Pension-eligible persons are entitled to a Child’s Pension for children under the age of 18 or in education up to the age of 25. This child’s pension is not paid during the period of early withdrawal, but only from the time of retirement.
Disability and survivors’ pension
The entitlement to a disability or survivor’s pension expires with the early withdrawal of the AHV pension.
Widows’, widowers’ and orphans’ pensions
If the mentioned survivors’ annuities replace the AHV retirement annuities, the survivors’ annuities will be reduced by the same amount.
The advance withdrawal of the AHV annuity must be registered. In the online form for registering a retirement pension, you can answer “Yes” or “No” to the question “Do you want to make an early withdrawal of your retirement pension?” in section 8. Flexible retirement age.