Navigating Switzerland's pension system involves understanding the three pillars: Pillar 1 (AHV) provides a basic state pension based on your contributions; Pillar 2 (BVG) is an occupational pension that
supplements Pillar 1 and depends on your salary and the performance of your pension fund; Pillar 3 (private) is a voluntary savings plan with tax benefits. To maximize your retirement savings, make full use of Pillar 3a contributions for tax deductions, review and potentially increase your Pillar 2 contributions, and start saving early to benefit from compound interest. Consulting a financial advisor can also help optimize your strategy.