Switzerland Pillar 3a

Pillar 3a

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  1. Maximum Pillar 3a amount in 2024

    Maximum Pillar 3a amount in 2024

    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 2024?

  2. Identifying AHV contribution gaps

    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?

  3. Voluntary pension provision buy into pension fund or pillar 3a

    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. 

  4. Closing pension gaps. Swiss pension system

    Identifying, avoiding, and closing pension gaps early on

    If a pension is not large enough to cover a person's normal expenses, this is known as a pension gap. What are the potential causes of such a gap and what options does the Swiss pension system provide for avoiding or closing them at an early stage?

  5. Pillar 3a: Save on tax

    How Big Are the Actual Tax Savings in Your Region Thanks to Pillar 3a?

    Paying in to Pillar 3a allows you to reduce your tax bill – but how much can you actually save? The extent to which you can benefit from the third pillar depends largely on where you live, as the amount saved varies from region to region. 

  6. Rocco Baldinger, Credit Suisse: Opening several Pillar 3a accounts can have tax benefits.

    Open several Pillar 3a accounts and possibly save taxes as a result

    People who pay their pension capital into multiple Pillar 3a accounts can save taxes in many cantons because the capital can then be withdrawn gradually over several years.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 Pillar 3a capital.

  7. Pillar 3a: Start early and consistently make deposits

    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.

  8. Maximum contributions to tied pension provision for self-employed persons

    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.

  9. What yoga has to do with AHV

    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.

  10. Securities-based savings: Secure long-term potential returns with Pillar 3a funds

    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.