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  1. Gaetano Cardillo

    Closing Pension Gaps – What Needs to Be Considered?

    How do pension gaps arise, and how do you close them? We put these questions to Gaetano Cardillo, relationship manager at Credit Suisse in Rapperswil. His advice: The "pension gap" problem should be tackled at a sufficiently early stage. 

  2. Pillar 3a legacy and beneficiaries in the event of death pursuant to the law of succession and devolution of an estate

    What Happens to the Third-Pillar Funds When the Possessor Dies?

    The inheritance of your third-pillar funds is largely governed by the law of succession and the order of beneficiaries. The beneficiary in the event of death would be a spouse, partner, descendant, parent, or sibling.

  3. Renovations and refurbishments with pillar 3a

    Renovations and refurbishments with pillar 3a

    Most Swiss people know that they can take money from their third pillar savings to purchase owner-occupied residential property. However, many do not know that assets from tied pension provision can also be used for renovations and refurbishments that maintain the home's value.

  4. Change of employer with transfer of existing BVG assets to the new pension fund

    Transfer of Pension Fund Assets following a Job Change: How it Works

    When changing employers, employees must transfer their BVG capital to the new pension fund pursuant to the Federal Act on Vesting in Pension Plans. This payment forms the basis for the calculation of future payments to which the employee is entitled. 

  5. Several 3a accounts

    Is It Sensible to Have Several 3a Accounts? If Yes, How Many?

    Anyone who distributes their pension capital between several 3a accounts will be able to optimize the tax implications of these withdrawals in many cantons. In addition, it is possible to adjust the withdrawal better to meet individual needs, especially in the case of early retirement.

  6. Maximum amounts pillar 3a

    Pillar 3a – Maximum Amounts for 2017

    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. 

  7. Testament and Disposal of Estate.

    What Must Everyone Consider in Their Estate Planning?

    Estate planning is a matter that is factual and rational, whilst being emotional at the same time. Many factors play a role. It is worthwhile analyzing one’s own situation on a regular basis and being familiar with the legal provisions. 

  8. New option: "1e" pension plans

    "1e" Pension Plans Could Become More Attractive

    An amendment to the Federal Act on Vesting in Pension Plans may push "1e" pension plans of pension funds. The National Council and the Council of States have decided on an amendment to the law, which comes with more responsibility and additional investment opportunities for the insured.

  9. Roman Ziegler, investment specialist for conservatorship assets, Zurich

    Investments for Protected Persons: What a Conservator Needs to Know

    The previous guardianship legislation was completely redrafted in 2013. At the same time, an ordinance entered into force that governs how the assets of protected persons may be invested. Roman Ziegler, a Credit Suisse expert, answers the question: What does the conservator of a protected person need to know?

  10. Benefits from the pension fund of the deceased partner in cases of cohabitation

    If one cohabiting partner dies, what benefits will be paid out from this partner's pension fund?

    Each pension fund specifies what benefits it will pay to the surviving partner upon the death of the other partner in cases of cohabitation. In general, the Federal Act on Employee Benefits Insurance does not provide for such death benefits.