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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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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 514 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?
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Maximum Pillar 3a amount in 2023
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 2023?
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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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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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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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New to Switzerland? This is how to keep track of your pension provision.
Are you new to Switzerland? Find out how to use the Swiss pension system comprising state, occupational, and private pension provision correctly, and keep track of it. This will ensure that you are optimally protected in retirement.
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Revision of inheritance law: More self-determination regarding your estate
The new Swiss inheritance law entered into force on January 1, 2023. The reduction of statutory compulsory portions allows for a larger divisible portion. This gives testators more self-determination in the disposal of their estate. In this way, modern forms of cohabitation are better taken into account. Overview of the inheritance law revision.
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Bequeathing without heirs: What single people need to know
What happens if an unmarried person dies without having made any testamentary provisions? Sonja Keller found out the hard way upon the death of her partner. As a single person herself, she subsequently took the initiative and realized how much freedom she had in estate planning.
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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.
