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Step 3: What Options Do I Have for Optimizing My Tax Situation?
Do you want to fully optimize your tax savings? We will show what options are available.
Save Tax on Your 2nd Pillar Benefits
Following the first BVG/LPP revision, as the insured you can have your retirement assets paid out as a lump sum. Normally you have to notify your pension fund if you wish to do so three years prior to retirement. As a rule of thumb, if you have pension fund assets of CHF 500,000 or more, you should definitely consider a lump-sum payment.
Save Tax on Your 3rd Pillar Benefits
Spreading the payout of 3rd pillar benefits over several years can help you save tax. The important thing is to open several pillar 3a pension accounts during the savings phase. This is because when an account is closed, the balance has to be paid out in full.
Change of Domicile
One further option you have to save tax is to change your domicile. There can be differences of up to 50 percent in taxation levels from canton to canton and municipality to municipality. Use our Tax Calculator to find out how much tax you would have to pay in your chosen municipality.
Online Tools: The Simple Way to Calculate and Simulate Tax Optimization
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Tax Calculator for the Withdrawal of Retirement Assets
Calculate how much you will effectively be left with after tax has been deducted. -
Pension Calculator for Regular Retirement
We show you your financial means after regular retirement. -
Pension Calculator for Early Retirement
We show you your financial means after early retirement. -
Tax Calculator According to Location
How much tax will you have to pay this year? How high would your tax bill be in a different municipality? How much tax could you save by paying into pillar 2 or 3 accounts?
Our pension and tax experts will be happy to show you how you can benefit from tax privileges on your pension capital and invested assets. Contact us for a no-obligation consultation .
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