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VRM Gebäudetechnik

Early retirement

from age 60 - for employees

The Stiftung VRM Gebäudetechnik enables employees in the sector from age 60, to reduce their working hours gradually or fully — with partial compensation for lost income.

Timeline: The early retirement model is currently being built up. First contribution payments from 2027, first pension payouts from 2028.

Calculate your pension How the VRM works
Building technology specialist

Training video

Video
Why VRM

Retirement with a clear outlook.

Not just any way out — a good one. For employees who have worked in the sector for a long time. And for businesses that take responsibility.

Protecting health

Physically demanding work in building services leaves its mark. The VRM gives your employees the chance to scale down in good time — before their health forces them to.

Financial security

Reducing your workload does not simply mean losing salary. The VRM pension partly offsets the loss of income — up to the current AHV reference age.

Passing on knowledge

Experienced specialists do not leave overnight — they support the next generation. The VRM creates time and space for an orderly transfer of knowledge.

Financed jointly by employers and employees — in solidarity, transparently, and managed on a paritarian basis. Created through cooperation with the social partners of the building services sector. Founded jointly by the employer and employee sides.

Two experienced building technology employees having lunch together
People at the centre

Experience that gets to stay.

Many years on the construction site and in service leave their mark. The VRM gives experienced specialists the chance to scale down from age 60 — without a hard break, with partial salary compensation. The steps below show exactly how this works.

Our model

How the VRM works

The early retirement model (VRM) enables employees in the building services sector to reduce their working hours gradually or completely from age 60. The foundation finances part of the loss of income — borne jointly by employers and employees on a paritarian basis.

01

From 60 — step by step

Employees aged 60 and over can reduce their working activity gradually before the ordinary reference age, or leave working life completely.

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02

Bridging pension

The loss of salary associated with early retirement is partly offset by a VRM pension. Additional BVG contributions of 18% of the bridging pension further secure retirement provision.

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03

Borne on a paritarian basis

The model is jointly borne by suissetec and the social partners Unia and Syna — through a collective bargaining agreement (GAV-VRM) and a foundation organised on a paritarian basis.

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Training video for businesses
Process

The VRM pension in 5 steps

1

Register

The employee submits the form and documents

2

Review

The foundation reviews your application

3

Calculate and confirm

The foundation calculates your VRM pension. You receive written confirmation.

4

Reduce

Reduce your workload

5

Receive

Receive your monthly VRM pension

Who is eligible?

  • Employees aged 60 and over
  • Subject to the GAV-VRM for the building services trade
  • Duration of the contribution obligation fulfilled (15/7 rule)
  • A reduction in workload of at least 10%

How does the VRM pension work?

You reduce your working hours in steps of at least 10%. The loss of income is partly compensated by the VRM pension. The amount depends on your salary, the extent of the reduction, and your age.

The VRM pension is paid out for a maximum period up to the AHV reference age. You can plan several reduction steps.

Calculate your pension now
Target groups

Who is the VRM for?

Your orderly transition
FOR EMPLOYEES

Your orderly transition

Find out how you can reduce your working hours gradually or completely from age 60, and what benefits the Stiftung VRM Gebäudetechnik offers you.

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Good for your business
FOR BUSINESSES

Good for your business

The VRM secures an orderly transfer of knowledge, creates time for succession planning, and strengthens employee retention — a benefit for your business and your team.

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News

Latest news

Wall calendar September 2026, the days of the information events are marked
25.08.2026 Events

Schedule of information sessions

Thirteen dates from early September to late October 2026, in German-speaking and French-speaking Switzerland.

Weiterlesen
News from Stiftung VRM Gebäudetechnik
18.05.2026 Events

Online information event: VRM for employers and employees

First online information event on 18 May 2026.

Weiterlesen
Roadmap: Operational launch from 2027
30.03.2026 News

Roadmap: Operational launch from 2027

2026: organisational build-up of the Foundation. Information events (autumn 2026 — separate invitation)

Weiterlesen
All articles →
FAQ

Frequently asked questions

Chapter 01

Basics & general information

What the VRM is, general information.

10 questions

The early retirement model of the building services sector enables employees to reduce their working activity before the ordinary reference age, or to end it completely. The loss of income is partly offset by a monthly VRM bridging pension. In addition, a BVG savings contribution of 18 % of the bridging pension paid may be made, provided no BVG retirement benefits are drawn.

The VRM applies to businesses and employee categories that are subject to the GAV-VRM.

The VRM Gebäudetechnik is a joint social-partnership initiative of employers and employees in the Swiss building technology sector. It is carried by suissetec and the trade unions Unia and Syna.

Operational implementation is carried out by VRM Services AG headquartered in Wallisellen.

The GAV-VRM forms the collective employment agreement basis. The Benefits and Contributions Regulations set out, in particular, the financing, benefits, requirements and implementation of the model in detail.

The GAV-VRM applies to the whole of Switzerland, with the exception of the cantons of Geneva, Vaud, Valais and Ticino, which have their own models. Definitive application is governed by the GAV-VRM and the declaration of general applicability.

In the documents section you will find forms, regulations, GAV documents and further information.

Permeability means that participating institutions mutually recognise contribution or employment periods, so that people are not disadvantaged when moving between sectors and related VRM models. Corresponding agreements form annexes to the regulations or can be added.

2026 is focused on establishing the foundation. From 2027 onwards, operations begin with the first contribution payments. The first payments of bridging pensions are planned from 2028 onwards.

Central point of contact for

VRM topics

  • VRM Services AG in Wallisellen. Use our contact form or call us.

Questions on the company platform, login & data entry

  • Paritätische Landeskommission

Questions on coverage

  • responsible office of the regional Paritätische Kommission / Paritätische Landeskommission