Switzerland Pension provision
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Open several Pillar 3a accounts and possibly save taxes as a result
People who pay their pension capital into different Pillar 3a accounts can save taxes in many cantons, because the capital can then be withdrawn gradually over several years. We reveal how many accounts it's worth having and over what period you can withdraw your capital.
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Early pension planning? Sure thing! The best tips for young adults.
Year after year, the Credit Suisse Youth Barometer shows young adults are persistently worried about retirement planning. That is justifiably so because it is 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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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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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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How Much Are Self-Employed Persons Allowed to Pay into Tied Pension Provision If They Set Up Their Own Business during the Course of a Year?
Many self-employed persons want to know how much they are allowed to pay into their private pension provision during the year in which they go into business for themselves. It is generally possible to combine two contribution options.
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How to understand your pension fund statement
The pension fund statement – also called the pension certificate – contains specific information about your second pillar that concerns not only your retirement age. However, you need to be familiar with some jargon and background information in order to understand your pension certificate properly. We explain them in an example, point by point.
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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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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 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?
