Switzerland Pension provision
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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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Marriage vs. cohabitation. What difference does it make to pension provision?
Marriage vs. cohabitation? Legal differences abound when it comes to the issue of pension benefits. In Switzerland, marriage offers clear advantages in terms of statutory pension and inheritance entitlements – benefits not afforded to couples who don't have the protection of a marriage certificate. Cohabitation, on the other hand, provides greater flexibility. These differences between marriage and cohabitation continue to exist.
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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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Early pension planning? Sure thing! The best tips for young adults.
"My pension won't be enough anyhow!" The 2020 Credit Suisse Youth Barometer shows young adults are thinking about the future. Retirement provision is at the top of their agenda. The reason is that it is currently in serious distress – with dire consequences for the younger generation. So, what can you do? Save for old age as wisely and early as possible! The best retirement planning tips for young people – across all the pillars.
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The wave of baby boomer retirements is gathering momentum. What does that mean for younger generations?
Many workers dream of taking early retirement. From a labor market perspective, however, exactly the opposite should be made more attractive: working beyond normal retirement age. That is because the wave of baby boomers entering retirement in Switzerland is creating a distinct imbalance in retirement provision, as Credit Suisse's 2020 pension study reveals.
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Retirement planning for every stage of life.
Planning pension provision early pays off in old age. Those who give regular consideration to retirement planning and make any necessary adjustments have fewer worries about financial security in old age. Keep this in mind so that you can enjoy your retirement to the full later on.
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Leaving Switzerland. What happens to old age and survivors' insurance, pension funds, and tied pension provision.
If you're moving away from Switzerland, you'll have a lot to think about. A key item on the list will be your retirement provision. Find out the rules that apply to old age and survivors' insurance, pension funds, and the tied pension provision if you're leaving Switzerland – and how to best proceed.
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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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Purchasing pension benefits: fill gaps and save taxes
Voluntarily purchasing pension benefits is ideal for saving taxes. Manuela Meier-Gloor, a financial planner from Zug, explains what you should consider.
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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.
