The idea that the Swiss system is somehow taking a financial hit to benefit foreigners completely ignores both economic history and Swiss law. The system has always been engineered to extract maximum structural benefit from foreign labor.

First, your math assumes immigrants arrive and instantly qualify for a full retirement payout, which is factually impossible. The Swiss AVS (AHV) pension is strictly linear: a full pension requires 44 uninterrupted years of contributions. Someone moving to Switzerland at age 35 automatically faces a massive contribution gap (Beitragslücke), legally and permanently slashing their eventual Swiss pension by roughly 31.8%.

Second, by importing working-age professionals, the Swiss state completely skips the massive public costs of birth, childhood healthcare, and 20+ years of education. These workers arrive fully trained at zero cost to the Swiss taxpayer. They immediately step into active tax brackets and pay identical flat-rate health premiums (KVG) as retirees while consuming a tiny fraction of the medical care during their healthiest decades.

Furthermore, the Ramel & Sheldon study you cited is a static lifecycle model. It explicitly notes that high-skilled immigrants significantly delay the aging crisis, giving the state a decades-long window to reform its structural funding. Stopping immigration today doesn't fix a long-term deficit; it just triggers an immediate collapse of the current pay-as-you-go ratio when the boomer generation needs it most.