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Closing pension gaps. Swiss pension system.
If a pension is not large enough to cover a person's normal expenses, this is known as a pension gap. What are the potential causes of such a gap and what options does the Swiss pension system provide for avoiding or closing them at an early stage?
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AHV contributions from gainfully employed persons: Contribution rates and payment obligation.
For gainfully employed and self-employed persons, the AHV contribution requirement starts from January 1 after reaching the age of 18. As of January 1, 2021, the contribution rates for gainfully employed persons changed: AHV contribution 8.7%; IV 1.4%; EO 0.5%. Half is paid by the employee and half by the employer; self-employed persons must pay the full amount by themselves.
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AHV contributions: How much do unemployed persons pay?
Unemployed persons are still required to pay AHV contributions. The amount they pay is determined by their assets and any pension income. The minimum AHV contribution is currently CHF 503 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?
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Creating your personal will. The most important points.
A will is an essential tool for estate planning. It allows you to deviate from the legal regulations and stipulate your wishes for allocating your assets. This article will explain how to create a will, what it can include, and what requirements must be met.
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Everything you need to know about Pillar 3a. Simply explained.
State retirement provision and employee benefits insurance are usually not enough to maintain the standard of living you have become accustomed to when you retire. That makes it vital to put money into a private pension – that is, Pillar 3a. This article explains what the third pillar is, how it works, and how you can benefit from tax savings – all in simple terms.
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Low-cost investing with index funds and ETFs
Fees can cut into the returns on an investment. In the case of funds, this makes passive products, such as ETFs and index funds, an interesting alternative to traditional funds for low-cost investing. Read our overview of the difference between ETFs and index funds.
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Maximum Pillar 3a amount in 2022
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 2022?
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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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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.
