Who can pay into pillar 3a?
What are the requirements for your payment to result in a tax deduction?
In this basic article, we take a closer look with numerous case studies: Pillar 3a as an employee, Pillar 3a in part-time employment, Pillar 3a as a self-employed person, Pillar 3a without income, Pillar 3a without gainful employment and in the event of unemployment, Pillar 3a in the year of retirement, in the event of early retirement and after retirement, Pillar 3a with an IV pension and the amount of Pillar 3a payment per person for married couples.
At the latest at the turn of the year, many people are concerned with the deadline question: By when do I have to pay into pillar 3a?
What is the latest deadline?
And what is the deadline for the pillar 3a tax deduction?
Read on and don’t miss the latest case law on the deadline for your pillar 3a payment.
Occupational pensions in Switzerland have long been an important topic of political debate.
In March 2023, Parliament launched a reform of the occupational pension scheme, BVG21.
It aims to close pension gaps and make the system more sustainable.
What exactly does the BVG21 reform involve and what impact will it have on you?
You can deduct professional expenses in connection with your salaried work from your taxes as a flat-rate deduction for professional expenses in 2024. The good news: the maximum deduction for travel expenses for direct federal tax will increase from 2025. We’ll tell you how much more you can save on tax.
The 2023 key pension figures for AHV, occupational pension provision and pillar 3a determine how high your pension will be from 1st and 2nd pillar fail.
As of
January 1, 2023 there will be changes to the pension key figures for 2023.
Find out how these will affect your future pension amount and how much more you can deduct from pillar 3a from 2023.
Already had experience with finpension 3a? Many people think of VIAC when they think of securities in pillar 3a because of the low fees. But with finpension it’s even cheaper. We have known and used finpension for a long time. Benefit from our experience and the finpension 3a voucher code SMLUTQ.
Inyova 3a aims to enable people to invest their retirement savings simply, digitally and in a truly sustainable way. And in such a way that the investments correspond to your values and have a positive impact on the world. We talk to CEO Tillmann Lang about sustainable investing with ESG funds, greenwashing and impact investing. Use our very special Inyova promo code SMOLIO.
Basic insurance premiums are rising again in the new year. Saving money on basic insurance is always worthwhile. We share our best tips with you.
Many people ask themselves “When will I receive my pension fund pension?” With the AHV21 reform, there are numerous innovations in AHV. But not only that. It also brings many improvements for the second pillar and more freedom for all insured persons. We take a look at the most important…
When can I retire? The answer to this question has recently changed significantly in Switzerland. This is because the Swiss population’s acceptance of the AHV21 reform has brought major changes. Not only women are affected by the change in the start of retirement. It also affects everyone who wants to…
Can I transfer money to the pension fund with pillar 3a?
Part-time employees often ask us this question.
We explain what is possible, whether it makes sense and what the consequences are.
The amount of the pension depends on how much you get from the AHV and the second pillar as well as from private savings. The 2022 pension key figures for AHV and occupational pensions determine how much you pay out 1st and 2nd pillar. Do you want to know how…
Wohoo, job done? Parliament and the Council of States have agreed on the 2021 AHV reform and have done the job for us. The measures agreed will affect us all. Because the level of AHV pensions depends on it. We have studied the decisions. Want to know what this means…
elleXX has been offering elleXX Pillar 3a, a digital pension product, since the beginning of November 2021.
With this product, elleXX aims to close the gender pension gap.
We do the fact check for you.
How good is elleXX Pillar 3a?
The return of ETFs vs. active funds is a recurring debate. But the facts are quite clear. Do you know Russian roulette? Would you play it? Discover what the return of ETFs vs. active funds has to do with this game of chance.
The first lockdown began in Switzerland on March 16, 2020. A lot has changed since then. What tax deductions can you claim due to coronavirus? How do working from home, changes to your commute and meal costs affect your professional expenses in your tax return? And which deduction makes sense…
Findependent wants to make investing accessible to everyone in Switzerland via an investment app. We speak to the CEO Matthias Bryner. In an exclusive interview, he explains how findependent came about and provides valuable background information. He talks about his plans and gives you a very special findependent savings code.
VIAC pillar 3a fees: How does VIAC compare with frankly and finpension? What is included in the fees and what is not?
We all love simplicity.
And tick it and done!
To make sure you don’t miss anything throughout the year, we’ve put together a simple and clear overview of the most important financial dates for 2024 and do’s for your money.
Because you can make more of your money quickly and at the right time with just a few hacks.
VIAC Life is free insurance cover for securities savings with VIAC for pillar 3a or for vested benefits. But what exactly is VIAC Life basic protection? What are the benefits of basic protection? Should I choose death risk or disability risk cover? We asked critical questions and provide the answers…
Two factors determine your pension amount in old age. Firstly, what changes will be made to the key pension figures in 2021 (AHV and occupational benefits). And secondly, what you do privately in your own pension provision in the third pillar 3a and 3b. Like every year, a lot will…
“Wow, great piece! That must have cost you a fortune?” Well, just because something costs a lot doesn’t mean it’s a fortune. It’s not just the post-corona shopping queues at luxury stores in Zurich that show that many people don’t know the difference between assets and liabilities. We show the…
Corona and paying taxes? You will soon have to submit your tax return and, in many cantons, make an advance payment. For some of us, this can be financially tight. What can you do? We tell you what you can do.
The corona crash has shaken up the financial markets worldwide. Valuation levels have changed dramatically. What was in demand yesterday is out today, supposedly safe asset classes have fallen in unison with the prices of the stock markets. What does this mean for you, your financial independence, your financial decisions…
Many people are currently dealing with coronavirus and shares, as we can see from the questions we are receiving. What should I do with my shares now? Should I buy or sell? What does it mean for my 3rd pillar? We provide answers to the most frequently asked questions.
If someone had told me two months ago that the stock market would be 30% lower, I would be working from home every day, children would be on “corona vacations” and home schooling and public life would be all but shut down, I wouldn’t have believed it. And yet coronavirus…
We like to travel and often. Last year, we were on three continents. As international travelers, we have therefore had experience with traditional credit cards and with Revolut Switzerland. Do you want to pay less and get more? Read on and we’ll tell you how.
There has been a lot of talk in recent weeks about how the coronavirus COVID-19 will affect the global economy and the stock markets. There has been a lot of news hype: how many people have fallen ill or died from the virus in which country? But what impact will…
Saving for old age. Sure, what you can do today, I’m happy to put off until tomorrow. Better to live now, later is still possible. Right? Get to know the five key factors that determine how much money you’ll get later. And no matter what type of saver you are,…
Various reforms to the Swiss pension system are underway. WTF does STAF mean? And what is in store for me with the planned AHV21 and BVG reform? How much longer will I have to work and what will happen to my pension? We provide the facts and explain what the…
How much you get later depends on two factors. Firstly, how the Swiss pension system works in 2020 (AHV and occupational benefits) and secondly, how much you make in your own third-pillar pension. As every year, there will be some changes on January 1, 2020. What impact will this have…
At the end of every year, banks, insurance companies and financial service providers advertise pillar 3a like crazy. And many people ask themselves: is a pillar 3a fund worthwhile? Is a pillar 3a securities solution worthwhile? Or is a pillar 3a savings account worthwhile for me? We’ve done the research…
Financial independence, the dream of many. Will we still need income and money to live on tomorrow? Probably yes. And where will that come from? Probably … well. The search for meaning in work is becoming more noticeable, the fear for gainful employment in the future louder. The acronym FIRE…
You are already familiar with the three-pillar pension system in Switzerland and know how important pillar 3a is for you. But are you also familiar with pillar 3b and the differences to pillar 3a? Read on and find out what it means to invest in pillar 3b.
Relaxing, traveling, chilling out.
3 out of 4 Swiss employees dream of taking time out.
We take a look at the financial consequences of a sabbatical for your pension provision.
Is now the right time to invest? Or should I wait until the stock markets have fallen again? And anyway, isn’t it better to wait until the next recession is over? In this article, we look at how you can invest a large one-off amount in the stock market.
You have a large amount of money in your account and are asking yourself: “How can I make more out of it, how can I invest the money safely?” Or have you received a large amount, for example as a bonus payment, 13th salary or inheritance? Discover how you can…
Tired of low interest rates on your pillar 3a retirement savings account and want to make your retirement savings work harder for you?
Switch your pillar 3a and get more out of your money.
You’ll get much more out of securities in the long term than a savings booklet.
That’s why we’ve looked at the best offers for pillar 3a with securities.
But how exactly does switching pillar 3a actually work?
We tried it out and show you step by step.
Do you know the game of chess? And would you like to earn more money with money? We explain how chess, the compound interest effect and your pension provision are connected. Read on and learn how you can make more of your money with little effort: how you can make…
The Federal Statistical Office (FSO) published the new pension fund statistics in December 2018 . published. This contains a wealth of statistical information on the state of occupational pensions in Switzerland. How do you think the average pension fund pension has developed in recent years? Which statement about the pension…
New year, new plans for your private pension? We talk to Daniel Peter from VIAC about pillar 3a. Like us at Smolio, Daniel wants to make a contribution to better pension provision in Switzerland with his company VIAC. In this interview, he explains how VIAC came about, shares his views on pillar 3a and provides valuable background information and tips.
Your pension income depends on the regulations in the Swiss pension system and your own pension provision. What will change in the Swiss pension system in 2019? And how will this affect your future pension? There will be some changes from January 2019. Read on and keep an eye on…
December is full of parties, celebrations, presents… and spending! The financial consequences are often felt in January. We talk to Daniel Christen from Systemcredit about the January slump. He is familiar with the liquidity bottlenecks experienced by SMEs at the start of the year and believes that private individuals and…
The Federal Statistical Office regularly surveys the household income of Swiss citizens. At the end of 2018, SRF reported on the latest figures: On average, we have a household income of around CHF 10,000 and a savings amount of around CHF 1,500. In other words, a savings rate of 15…
Your retirement assets in the pension fund are the largest financial asset for most of us. What actually influences how much you can accumulate? Well, how much retirement assets you can build up in your occupational pension fund essentially depends on four factors. These are
50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many compared to all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take precautions? And what does it…
We could actually do more with our money, we should have our pensions under control and we should get an overview. Why don’t we do this if we know it? That’s why we usually have an implementation problem and not a knowledge problem. It’s not enough to know something. Psychological…
Your pension fund is probably your biggest financial asset. It provides you with an annual report in the form of a pension fund statement. Nicole doesn’t really understand her pension fund statement. Do you feel the same way? We shed some light on the subject and clarify the most important…
Sandra is irritated. Yesterday everyone was saying that Facebook was deadly safe and today she hears and reads that the share price has plummeted by over 20 %. And she’s supposed to invest in shares? Pure casino! We take Sandra by the hand and show her which tips she can…
Look towards the sun and dream. Who doesn’t like to do that in summer? But then comes the reality check and with it a quick end for many dreams. Because dreams rarely come alone, they involve effort and the necessary finances. With the right approach, your dreams won’t fail because…
