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Liberality achievement means the assets in accordance with FZG (Swiss Federal law from 17 December 1993 over the liberality in the vocational age, leaving and invalid precaution (liberality law, FZG)), which accumulates for each Versicherte with its pension fund, if he pays savings contributions. The savings contributions (age credit notes) become in a graduated "“save"” - order (7%/10%/15%/18%) from age 25 to age 64 (Mrs.) /65 (men) in accordance with Federal Constitutional Court (see in addition the Swiss Federal law from 25 June 1982 over the vocational age, leaving and invalid precaution) and must be paid interest at least of the legal minimum interest. (Note: The age credit notes are not to confound with the contributions, where beside the savings contributions, still the and administratives expense etc. are added.) with most pension funds are based the precaution achievements (this invalidity pension, invalid child pension, old-age pension, age capital, spouse pension, spouse compensation, orphan's annuity is legal) on the height of the liberality assets. This assets are converted by means of valid transformation set into a pension - is between mandatory/over-mandatory assets to differentiate). in accordance with Federal Constitutional Court (often also mandatory assets called) means the part of the existing assets, which must be at least present after the legal minimum. Most pension funds know however higher savings contributions. This exceeding part is called over-mandatory part and converted during the pension transformation with the reglementarischen percentage (deeper than the legal sentence).


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