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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. Pension or lump sum: An important decision on retirement

    Drawing pension fund benefits as a pension or as a lump sum? That is the question.

    Pension fund assets are often the most significant assets that Swiss people have. Before retirement, people face the important choice of whether to draw their benefits as a pension or as a lump sum. What are the practical implications of a lump-sum withdrawal from the pension fund, and why is an individual solution always best?

  3. Payout of pension fund assets: Reasons for withdrawing pension fund assets early

    Payout of pension fund assets. When is early withdrawal possible and how can you request it?

    Which requirements apply for an early withdrawal of pension fund assets, and how should you go about requesting a withdrawal? What insured parties in Switzerland should absolutely know if they wish to make an early pension fund withdrawal.

  4. Employee benefits insurance in the case of multiple jobs. What you need to know.

    Multiple jobs: What you need to know about your pension fund 

    These days, many employees work part time for several employers. This means that, despite regular income, they don't earn enough to fall directly under statutory BVG insurance. Nonetheless, they too should provide for their retirement. What solutions are available for this with employee benefits insurance? 

  5. 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?

  6. Purchasing pension benefits: a discussion with financial planner Manuela Meier-Gloor

    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.

  7. Interview with Désirée von Michaelis on the topic of retirement

    "For every year of early retirement, you need 18 months of your annual salary."

    In Switzerland, awareness of the importance of private pension provision is visibly growing. This is an important trend, says Désirée von Michaelis, Head of Wealth Planning at Credit Suisse in an interview. What to take into consideration when planning your retirement – for example, for early retirement. Five tips from Credit Suisse for successful retirement.

  8. BVG conversion rate: How the conversion rate determines the BVG pension

    What is the conversion rate?

    The conversion rate is used to calculate the annual BVG pension from the available retirement capital. Anyone who wants to find out what pension is realistic after retirement  should know these important facts regarding the conversion rate and BVG regulations.

  9. 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. 

  10. Lump-sum payout tax: There are considerable differences between the cantons when it comes to taxes on lump-sum payouts.

    Lump-sum payout tax: Seven things you should know long before retirement

    You can save taxes throughout your entire working life by paying into your employee benefits insurance and private pension. When you withdraw these amounts on retirement, they are subject to their own special tax: lump-sum payout tax. This varies depending on the canton and the amount of capital involved. An astute strategy can sometimes save a lot of money. The following seven points summarize the key information.