Switzerland Pillar 3a
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Closing Pension Gaps – almost everyone is affected
How do pension gaps arise, and how can you close them? We put these questions to Gaetano Cardillo, trainer for client advisors at Credit Suisse. His advice: The "pension gap" problem should be tackled at a sufficiently early stage.
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The future of retirement provision
The Swiss retirement provision system will face several challenges in the coming years. Jan Schüpbach explains in the video what new solutions in the area of Pillar 3a savings could work for the majority.
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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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What happens to your AHV (Old Age and Survivors' Insurance), pension fund, and Pillar 3a if you get divorced?
In the event of a divorce, the same principle applies to AHV, pension fund and Pillar 3a assets, namely that entitlements and assets earned during the marriage are divided up. However, this is done differently from pillar to pillar.
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Women: Think about your retirement provision if working part-time work or taking a career break
Part-time work and employment interruptions are key reasons why women invest less in Pillar 3a, according to a new study by Credit Suisse. However, it is particularly important for them to increase their exposure to this pillar in order to compensate for the loss of the AHV and BVG pension due to reduced contributions.
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Retirement provision for single moms: Four tips so that you can lead a self-determined life in retirement
Women with children are aware of the importance of saving for their retirement. This is shown by a recent Credit Suisse study. But less than half of single women with children pay regularly into Pillar 3a – probably due in part to being on a tight budget – with correspondingly negative consequences for their retirement provision. We provide four tips on how you can provide for more financial independence in your old age.
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Pillar 3a: Women with children and women without children save differently for their retirement
According to a new pension study by Credit Suisse, women in dual-income couples are aware of the importance of their retirement provision. However, those with children are more likely to pay into pillar 3a than those without. This is the case even though on average the mothers have lower disposable income. What is the cause of this surprising finding?
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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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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.
