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Paying into Pillar 3a is worthwhile. Even bit by bit.
Maintain the standard of living you're accustomed to even after retirement with Pillar 3a. It's possible, if you take account of all the contributory factors. Deciding factors not only include the interest or return level, but above all, how long and how regularly deposits are made.
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A revision to the law of succession: increased self-determination regarding your estate
The anticipated revision to the Swiss law of succession promises increased self-determination regarding your estate. The current law of succession came into force over 100 years ago and is no longer fit for purpose. We explore the legislative changes planned by the federal government, which are scheduled to be implemented in 2023.
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Maximum Pillar 3a amount in 2021
Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. If you want to maintain your accustomed standard of living even in your old age, you should therefore contribute the maximum Pillar 3a amount every year. But what are the maximum Pillar 3a amounts for 2021?
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The compulsory portion under Swiss succession law
The compulsory portion under Swiss succession law ensures that certain heirs cannot be deprived of a share of the estate. This treatise on Swiss succession law explains which heirs are protected with a compulsory portion and what leeway the testator has in his or her own estate planning.
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Multiple jobs: What you need to know about your pension fund
These days, many employees work part time for several employers. This means that, despite regular income, they don't earn enough to fall directly under statutory BVG insurance. Nonetheless, they too should provide for their retirement. What solutions are available for this with employee benefits insurance?
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What You Need to Know About the 3rd Pillar
What exactly is the 3rd pillar? What is the maximum amount gainful employees can pay in for 2021? Where and how can people voluntarily save up retirement capital? And starting when and under what conditions are you allowed to withdraw money from the private pension provision? Those are the most important facts for the 3rd pillar.
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Making innovative investments – structured products open up new options
Low interest rates and high equity valuations are causing investors to look for suitable alternatives. Structured products combine derivatives with traditional investment products, thus offering variable investment opportunities so you can leverage attractive potential yields in any market environment. This article reveals what you need to know about the topic.
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Direct or indirect repayment – the right method of repayment for you
When it comes to repaying the second mortgage on a property, there are two ways of doing so: direct repayment or indirect repayment. Both options have advantages and disadvantages. When thinking about your mortgage repayments, you should take a long-term view and consider your personal circumstances.
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Leave the world of work step-by-step with partial retirement.
Partial retirement enables people to gradually reduce their level of employment, where permitted by the regulations of their pension fund and made possible by their employer. We look at the key points that need to be considered, and at why detailed planning is important if you intend to stagger your retirement.
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Securities-based savings: Pillar 3a funds provide the following benefits
The private pension provision, known as the third pillar, supplements the government and employee benefits insurance. As an alternative to a pension account, securities-based savings are an attractive investment solution. Those who invest early in their pension provision improve the potential for larger returns by using Pillar 3a funds.
