Understanding your pension certificate

What’s a pension certificate?

A pension certificate is an overview of your personal pension coverage. It includes: 

• your member information
• your salary information
• your and your employer’s contributions
• your insured benefits
• your pension savings
• your retirement benefits
• general information (withdrawal amount available to buy a home, maximum possible voluntary contribution, etc.)
  
   

Where can I get my certificate? 

Directly from your Occupational Pension Cockpit. 

In addition to getting your certificate there, you can view your member information, carry out simulations (voluntary contributions, retirement, etc.) and contact your pension fund manager directly.
If you would like further information, please do not hesitate to contact us using the form below.
 

Find out more:

Information bulletin (FR):
Télécharger la notice au format pdf

Article (FR): 
Comment décoder son certificat de prévoyance | PME

Videos (FR) :
Comment lire son certificat de prévoyance? Vidéo du 16 mars 2022
Comment lire son certificat de prévoyance? Vidéo du 19 avril 2023

Link to FAQ: 
FAQ | Avena Fondation BCV 2e pilier

Watch the video (french) and download the presentation below (english)
AVENA held an evening information session on 5 November 2024 at the Royal Savoy hotel and livestreamed it via LiveChat. Our experts covered a number of topics, including:

•    What is a voluntary contribution and how does it help me?
•    Can I use my pension assets to buy or renovate a home?
•    How does AVENA manage my pension savings? What does the fund invest in?
•    What key information is in my pension statement?
•    When do I have to decide whether I receive my retirement benefits as a lump sum or a monthly pension?

Panelists:
Francis Bouvier, director of AVENA 
Olivier Reymond, pension fund specialist at BCV

Moderator:
Alain Jeannet, former editor-in-chief of L’Hebdo
 

At our virtual conference on December 6, we discussed the following topics:

• How does the 3-pillar system work?
• How do I decipher my occupational benefits certificate?
• What is a buy-back?
• Should I withdraw my second pillar as an annuity or as a lump sum?
• Can I use my second pillar to buy my own home?
• How much will I receive when I retire?
• How can I optimize my tax situation?

With our specialists:

Nicolas Colozier, Actuary with AVENA - Fondation BCV 2e pilier

Olivier Reymond, Pension Specialist, BCV