Guide Pillar 3a

Pillar 3a

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  1. Maximum amounts pillar 3a

    Pillar 3a – Maximum Amounts for 2019

    Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. Those who do not want to give up their accustomed standard of living in their old age should therefore contribute to Pillar 3a every year. 

  2. For a happy retirement. Handelszeitung: The Big Pillar 3a Securities Comparison

    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.

  3. 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?

  4. Performance Report Pillar

    Annual Report 2017 - Pillar 3a

    How was the 2017 stock market year from the perspective of the Credit Suisse Privilegia Pillar 3 pension foundation and how should the results achieved be evaluated? In the Annual Report - 2017 Pillar 3a you will also find out what developments are forecast for the 2018 stock market year.

  5. Pillar 3a: reducing taxes

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

    The amount you can save in taxes with a tied pension provision varies from region to region. In their new study on private retirement provision, Credit Suisse's economists detail the regional differences of the various tax burdens.

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

    Pillar 3a: It Pays to Start Early and Consistently Make Deposits – Even with Relatively Small Amounts

    In their new study on Pillar 3a, the economists from Credit Suisse demonstrate how assets in Pillar 3a can develop. Deciding factors not only include the interest or return level, but above all, how long and how regularly deposits are made.

  7. One third of the Swiss have no Pillar 3a

    Over a Third of the Swiss Working Population Have No Pillar 3a

    Who pays into Pillar 3a? And how much? In their new study, the economists at Credit Suisse have taken a closer look at the savings habits of the Swiss population in tied private pension provision. There are significant differences between the regions, for example: People from French-speaking Switzerland and Ticino use Pillar 3a less than German-speaking Swiss.

  8. Pension account and saving with securities

    Pillar 3a: Securities Offer More Potential Returns Over the Long Run Than a Pension Account 

    The private pension provision (third pillar) is a supplement to government and employee benefits insurance. It also makes sense from a tax perspective. Due to persistently low interest rates, pension accounts have lost some of their appeal in recent years. Anyone getting an early start on their pension provision can potentially obtain larger returns by using a security solution. 

  9. Private pension provision

    New study: The Increasing Importance of Private Pension Provision

    Pillars 1 and 2 are facing serious financial pressure. Pillar 3 – private pension provision – thus becomes all the more important. The rate at which Swiss people save under Pillar 3a is a factor of their age, gender, and place of residence. All could stand to benefit, which is reflected by the latest study from Credit Suisse economists.

  10. 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.