Switzerland Pension provision
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Tied pension provision: Young women would have excellent prospects of a good retirement provision
Many young, single women do not save much for retirement, even though they would have the financial means to do so. But this is important, especially when you consider possible career breaks later on. People who pay into the third pillar early and regularly can reduce pension gaps and maintain their usual standard of living in old age. Tied pension provision also provides opportunities for saving taxes and building wealth.
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Women would pay more into pillar 3a – if they could
Lower incomes and more part-time employment are the main reasons that women pay into Pillar 3a less frequently than men. A current Credit Suisse study shows that, all things being equal, women would pay more into their private pension provision than men.
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Multiple savings with Pillar 3a
Significant tax savings can be achieved with Pillar 3a since the government provides tax incentives for deposits and payouts in order to promote 3a savings. With some skillful planning, you can enjoy multiple savings. We'll show you how.
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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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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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Pillar 3a – Maximum Amounts for 2019
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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Swiss retirement provision: grand disillusions
Old Age and Survivors' Insurance (AHV) is Switzerland's problem child, as found by Credit Suisse's 2018 Worry Barometer. Even the planned reforms for the retirement provision (AHV 21) are inadequate – the country should and must aim for a master stroke.
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Handelszeitung: Major Comparison of Pillar 3a Securities
Credit Suisse has been rated as "good" in the Handelszeitung's major comparison of Pillar 3a securities. The CSA Mixta-BVG Basic investment group was one of the products to top the ratings. This is the fourth year in a row that Credit Suisse has come out on top.
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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 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.
