Today, reform of Switzerland’s second pillar is once again under debate. However, their reform proposals were rejected and, as a result, Switzerland’s second-pillar pension system has been steadily losing ground to the best systems globally, such as Canada and the Netherlands. On two occasions, politicians have attempted reforms aimed at raising the retirement age, increasing contributions, and lowering benefits. The replacement rate (pension relative to last income) has dropped by more than ten percentage points since 2008 and is projected to fall further the current minimum conversion rate is also unsustainable. However, our moment of reckoning is coming. In 2018, it ranked fifth in terms of total pension assets relative to GDP and first in pension assets per capita. Switzerland still has one of the most robust pension systems in the world.

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