Switzerland Pension provision
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Voluntary pension contributions: Should you pay into the second pillar or Pillar 3a?
Those who want to ensure financial security in retirement can take advantage of two voluntary provision options with tax benefits: buying into a pension fund or paying into Pillar 3a. The pros and cons of each option to enable you to make the right decision in your own situation.
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Why It's a Good Idea to Invest Five Minutes Every Four Years in Your Old Age and Survivors' Insurance
Federal Old Age and Survivors' Insurance (AHV) is a somewhat neglected topic compared to the second and third pillars: Although it accompanies us throughout our lives, some insured people have unnecessary contribution gaps through insufficient knowledge. The result is that their pensions are appreciably lower. In most cases, spending five minutes on the subject every four years would be sufficient to avoid this.
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Maximum Pillar 3a amount in 2020
Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. Those who do not want to give up their accustomed standard of living in their old age should therefore contribute to Pillar 3a every year.
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Maximum AHV Pension: That's What Counts
What factors influence the amount of a person's AHV retirement pension, and how do they receive the maximum pension?
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AHV contributions: How much do employers, employees, and self-employed people pay?
For employees, the employer pays half of the AHV contributions. Self-employed people have to dig deeper into their pockets, since they have to pay the full contributions themselves. How high are the different salary deductions?
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AHV Contribution Gaps – Everything You Need to Know
Anyone with gaps in their contributions to the Federal Old Age and Survivors' Insurance (AHV) will end up receiving a lower pension. So, how do these much-feared contribution gaps actually come about? How do you spot them and what can you do about them?
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AHV Contributions: How much do people who are not part of the workforce pay?
Even people who are not part of the workforce have to pay AHV contributions from 1st January after reaching the age of 20 until they reach the normal retirement age. But how are the AHV contributions determined and who is not considered to be part of the workforce? We show how the AHV contributions are calculated for people who are not part of the workforce and what the minimum and maximum contributions are. A calculation example is provided below for illustrative purposes.
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What You Need to Know About the 3rd Pillar
What exactly is the 3rd pillar? What is the maximum amount people can deposit for 2020? 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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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.
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Pensions are falling: seven suggestions for your private pension provision
Low interest rates, increasing life expectancy, and falling conversion rates – future generations will have to expect lower pensions. Private pension provision is becoming more important. We have put together seven suggestions that will help you to live as worry-free as possible in your retirement.
