[soco]

Germany, France or Romania have similar 3 pillars, so I'd say the system is far from being a Swiss particularity. Edit: the Swiss pension is so high because the contributions are also that high. Nobody stops an Italian to contribute four times as much, in order to receive four times as much pension. But the difference as you say comes from the salary level - although the expenses are just as high, so if you spend your retirement in Switzerland you will feel just as rich as a German in Germany. Only the Swiss retired (and healthy) going abroad get to feel that advantage.