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Pension savings in Switzerland. The three-pillar principle explained in simple terms.
The Swiss pension system, also known as the three-pillar principle, consists of three pillars. . The public pension scheme (AVS), the occupational pension scheme (LPP) and the individual pension scheme (pillar 3a/b) together form the solid framework for comprehensive pension savings. Pension savings in Switzerland explained simply.
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AHV contributions from gainfully employed persons: Contribution rates and payment obligation.
For gainfully employed and self-employed persons, the AHV contribution requirement starts from January 1 after reaching the age of 18. As of January 1, 2021, the contribution rates for gainfully employed persons changed: AHV contribution 8.7%; IV 1.4%; EO 0.5%. Half is paid by the employee and half by the employer; self-employed persons must pay the full amount by themselves.
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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 503 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?
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Pension study 2022: Configuration options for retirement provision
The Swiss pension system allows workers to exert an influence on their individual retirement planning on various levels. Find out to what extent Swiss workers are already using these opportunities now and what trends have emerged in recent years – all of the findings are here in the pension study for 2022.
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Estate planning. Regulations and options.
In Switzerland, issues of inheritance are thoroughly regulated by law. The question is whether the legal regulations align with your personal expectations of who will be your heirs one day and who will receive how much and what. By taking your estate planning into your own hands, you can ensure that your personal wishes are carried out exactly as expressed. Learn more about the statutory regulations as well as the options you do have when it comes to passing on your estate.
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Creating your personal will. The most important points.
A will is an essential tool for estate planning. It allows you to deviate from the legal regulations and stipulate your wishes for allocating your assets. This article will explain how to create a will, what it can include, and what requirements must be met.
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Retirement provision for women – special characteristics and challenges
Retirement provision becomes more difficult for women if gainful employment is interrupted for maternity reasons or reduced through part-time working. In such situations, gaps arise in their retirement savings. For this reason, women should engage with the topic of retirement provision in detail.
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Self-determination in every life situation. Thanks to advance directives and living wills.
Strokes of misfortune don't have a schedule. That's why advance directives and living wills cover all contingencies and ensure a self-determined life. This is only possible, however, if you make use of the configuration options. The differences between advance directives and living wills at a glance.
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Everything you need to know about Pillar 3a. Simply explained.
State retirement provision and employee benefits insurance are usually not enough to maintain the standard of living you have become accustomed to when you retire. That makes it vital to put money into a private pension – that is, Pillar 3a. This article explains what the third pillar is, how it works, and how you can benefit from tax savings – all in simple terms.
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Save on taxes effectively. Use these tips to complete your tax return.
Each year, Swiss taxpayers need to complete their tax returns. This can certainly become complicated depending on their personal background and financial situation. If you use these tax return tips to properly declare your income and assets, you can save on time and taxes.
