Guide Articles

Articles

Filter Options

Displaying 1- 10 of 111 Articles
Filter:
  1. 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their pension capital into different Pillar 3a accounts can save taxes in many cantons, because the capital can then be withdrawn gradually over several years.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. 

  2. Retirement planning for young people: How best to save when young

    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.

  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. The maximum AHV pension for married couples is 150% of the maximum pension for individuals.

    Maximum AHV pension: That's what counts

    The majority of people who are insured under AHV and who pay contributions are not entitled to the maximum AHV pension. Find out what factors influence your pension amount and how; under certain circumstances, it might still be possible to receive the maximum pension despite having AHV contribution gaps.

  5. 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.

  6. 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.

  7. 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.

  8. Understand your pension fund statement, pension certificate

    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.

  9. 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?

  10. AHV contributions for unemployed persons

    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?