Old-age retirement benefits are a major concern among the Swiss population but estimating one’s revenue after retirement is challenging due to the Swiss social system’s complexity. In Switzerland, as with many other countries, the risk of poverty for retiree people is high, especially for women who often work part-time. The research presented in this paper proposes a methodology to enable the development of a digital platform to provide Swiss citizens the means to verify that their retirement income will allow them to live decently when retired. The aim of the platform will be to allow insured people to plan for retirement in a simplified manner. The methodology used was both qualitative (focus group) and quantitative (surveys). The main results are recommendations for the scope and functionality for a digital platform to be developed. A main conclusion is the need to limit the platform’s scope to old-age pension only (e.g., excluding survivors’ or disability pensions). Moreover, an outcome regarding the functionalities is the proposition of scenarios such as postponed retirement, additional purchases in pension fund, or changes to individual status. The development of the platform is not included in the article.

中文翻译：

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减轻退休贫困风险的数字个人福利声明：瑞士案例

老年退休福利是瑞士人口的主要关注点，但由于瑞士社会制度的复杂性，估计退休后的收入具有挑战性。在瑞士，与许多其他国家一样，退休人员的贫困风险很高，尤其是经常从事兼职工作的女性。本文提出的研究提出了一种方法，可以开发数字平台，为瑞士公民提供方法来验证他们的退休收入是否能让他们在退休后过上体面的生活。该平台的目标是让被保险人能够以简化的方式规划退休生活。使用的方法是定性（焦点小组）和定量（调查）。主要结果是对要开发的数字平台的范围和功能的建议。一个主要结论是需要将平台的范围仅限于养老金（例如，不包括遗属或残疾养老金）。此外，关于功能的结果是诸如推迟退休、额外购买养老基金或改变个人身份等场景的提议。平台的开发不在文章中。