HOW GOOD IS MY RETIREMENT PROVISION?

First pillar: the AVS. In most cases with this annuity it is not possible to guarantee the vital minimum. In this case, you can request supplementary benefits. The AVS is organized by the state.

Second pillar: the occupational pension. Here we are talking about the money you pay as contributions to your pension fund. As an employee you are automatically insured starting from a certain annual income. Together with the AHV pension, the pension fund annuity allows you to cover around 60% of your last income. Responsibility for occupational benefits lies with your employer.

Third pillar: private pension. This form of pension is optional. You decide whether you want to pay contributions to the third pillar or not. You have the two options described below:

  • Restricted 3a pension: in the ideal case you pay your contributions regularly, but you will only be able to access them in old age. On the other hand, you can deduct the contributions paid from the taxable income.
  • Free 3b retirement provision: this includes, for example, your own apartment or house, debt securities or life insurance. You can terminate the 3b contract or have the accrued capital liquidated at any time.

After your retirement, you will receive a monthly pension from the first and second pillars, the amount of which will however be sufficient to cover only part of your previous income. And the amount of these annuities tends to decrease. This is why 3a retirement planning is becoming increasingly important. Many people have paid contributions to this form of private pension for decades to be able to finance their usual lifestyle even in old age. With the money from all three pillars this goal can be achieved.

TIPS ON WHAT TO DO IN CASE OF BREAKDOWNS WITH HYBRID CARS

For rescue and recovery operations, the new vehicles with alternative propulsion systems require above all more resources in terms of personnel and materials, as well as further knowledge of the electric propulsion system and the dangers that arise from it.

WHAT ARE THE MAJOR DANGERS DURING THE RECOVERY OF AN ACCIDENTED HYBRID OR ELECTRIC CAR?
The procedure adopted by the forces involved in the case of accidents with electric vehicles differs from that adopted for vehicles with a diesel or petrol engine, in particular in the rescue chain. The first challenge for the intervention forces at the scene is to be able to recognize that it is an electric vehicle, so that they can adapt the procedure accordingly.

The greatest risk in the event of an electric vehicle fire comes from the battery. Toxic substances can also escape. If an electric car’s battery burns, a chain reaction causes short circuits that can continually re-ignite the fire. A fire can break out during the accident, immediately after or even days after. Therefore, the utmost attention must be paid to this issue both during the rescue operations of the vehicle occupants and during the transport and storage of electric vehicles that have been damaged. At present, in the event of a fire it is only possible to cool the battery with plenty of water to prevent the fire from spreading to other cells, since it is not possible to extinguish the fire.