The amount of the anticipated retirement pension is based on the following data:

• The Fund’s Rules applicable at the time you joined
• Reference salary
• Years of membership (including purchases)
• Reduction factor due to age
• Reduction factor in the event of incomplete contributions

An anticipated retirement pension is paid until the last day of the month of the beneficiary’s death.

Calculation

• if you joined the Fund on or before 31 December 2011:
  • 2% of your final reference salary x years of membership x reduction factor due to age x reduction factor for incomplete contributions (if relevant)

• if you joined the Fund on or after 1 January 2012:
  • 1.85% of the average of your last 36 months' reference salaries x years of membership x reduction factor due to age x reduction factor for incomplete contributions (if relevant)

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Payment

Benefits are paid monthly in Swiss francs into a personal bank account in Switzerland between 6 and 8 of the month.