US expats in Switzerland love its quality of life, stunning landscapes, and stable economy. However, careful planning is essential to avoid major pitfalls when moving. To simplify your transition, we’ve created a guide to help you navigate taxes and social security.
How do I enter pillar 3a in my tax return?
After all, this saves you money.
Discover the answers to all your questions about pillar 3a in your tax return and securities register in the guide.
The pillar 3a maximum amount will increase from January 2025.
Read the article to find out the maximum amount you can pay in for maximum tax savings.
Take advantage of the free reminder by e-mail – so you never miss a 3a payment again.
Discover how you can use indirect amortization to pay off mortgages cleverly and save on taxes at the same time.
But how exactly does it work and for whom is it worthwhile?
Use our calculator to find out how much you can benefit!
What was that again?
Pillar 3a top-up payments not possible?
A purchase in pillar 3a is coming.
We show you the facts, how it works and the advantages for you.
A pillar 3a partial withdrawal could revolutionize retirement provision for many people.
Imagine being able to withdraw your 3a flexibly and in stages, instead of just whole accounts at once.
This could soon become a reality.
Discover what is being discussed and how you can benefit from it.
You save diligently in 3a, but who benefits from your pillar 3a in the event of your death?
The answer might surprise you.
Find out how you can ensure that your loved ones benefit.
Selma Pillar 3a is the product of a Swiss robo-advisor.
The AI chatbot develops an automated and personalized investment strategy for you and supports you with expert advice on your investment plan.
Find out whether Selma Pillar 3a is right for you.
Are you looking for guaranteed security and potential returns for your retirement provision?
Bench 3a could be the right solution for you.
In this experience report, we check out the innovative Bench 3a pension product for you.
Cryptocurrencies such as Bitcoin and Ethereum are on everyone’s lips.
Many want to profit from them.
Pillar 3a with Bitcoin is now possible.
We do the check.
Are cryptos worthwhile in pension provision?
With finpension Bitcoin, you have been able to invest 100% of your pillar 3a in Bitcoin since January 2024.
Investing in cryptos has been possible with finpension since 2021.
We check the offer.
Discover everything you need to know about finpension bitcoin in the article.
With VIAC, you can now invest in 100% Bitcoin in your pillar 3a.
The high price fluctuations make many people dream of quick money.
Do you need Bitcoin in your pension plan?
What about the security of pillar 3a in the event of a banking crisis?
And how secure is the vested benefits account?
Is there depositor protection for pillar 3a?
Discover some surprising answers.
Digital pension apps have become increasingly important in recent years.
However, not all digital apps have been able to assert themselves on the market.
In this article, we take a look at three such digital pension apps: Pando 3a, Sparbatze 3a and Freya 3a.
Are you a cross-border commuter or a foreigner subject to withholding tax and would like to pay into pillar 3a? We use many case studies to show when and how much cross-border commuters, foreigners subject to withholding tax and Swiss nationals with earned income abroad can claim as a pillar 3a tax deduction.
What are the best tips and tricks for your pillar 3a?
After all, you’re putting a lot of money into it.
But many people make unnecessary mistakes and give money away.
We’ll show you the 10 mistakes you can easily avoid in pillar 3a.
Because we think you can easily learn from other people’s mistakes.
Already had experience with finpension 3a? Many people know VIAC for securities investments in pillar 3a because of the favorable fees. But since October 2022, it’s even cheaper. We have known and observed finpension 3a for a long time. What do you think of finpension? Read on and benefit from our experience and finpension 3a voucher code.
The pillar 3a maximum amount is redefined every two years at the latest in 2024.
Read the article to find out the maximum amount you can pay in for maximum tax savings.
Take advantage of the free reminder by e-mail – so you never miss a 3a payment again.
I want to split my pillar 3a assets, the account has become too large.
I don’t want to pay so much tax later on.
Is there any way I can still split my pillar 3a?
We hear these questions all the time.
Discover three hacks to reduce the size of your 3a account.
How many pillar 3a accounts should I open?
From what amount should I open a new pillar 3a account?
And: how many pillar 3a accounts are allowed?
Can I have several pillar 3a accounts at the same bank?
We hear these questions again and again.
Discover the five-account rule for pillar 3a and how you can save tax effectively.
The Federal Social Insurance Office set the maximum pillar 3a amount in 2023.
This is because there is usually an adjustment every 2 years.
Find out which increased maximum amount applies in 2023 compared to the previous year.
Pillar 3a is an important component of retirement planning in Switzerland for U.S. Persons as well. But U.S. citizens or dual U.S. citizens residing in Switzerland often have a hard time establishing a Pillar 3a with securities. Discover what a US person is, why many Swiss banks don’t want US persons as clients and with which providers you can set up a pillar 3a as a US person.
Want to manage your retirement savings easily and conveniently? Then our frankly Pillar 3a experiences could show you the way to the right solution. In this testimonial, we will tell you all about frankly and show you if it is the right choice for you.
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.
Inyova 3a aims to enable people to invest their retirement savings simply and digitally.
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.
In this exclusive interview, Tillmann tells us how Inyova Pillar 3a came about and shares details about Inyova’s impact investing approach.
He also talks about his plans and gives you a very special Inyova promo code.
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.
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 shaker in the Swiss pillar 3a market is lowering its VIAC pillar 3a fees with retroactive effect from March 1, 2021. Strategies with a high equity component will be cheaper. You will benefit from this as an existing and new customer. This is because the management fee is now…
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…
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…
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.
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 stay on top of things.
50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many as all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take care of your pension provision? And…
If you want to invest in passive pillar 3a products, you are not necessarily spoiled for choice. Many banks do not offer passive pension ETFs, preferring to sell their own, often more expensive active funds. We have therefore done some research and put together a list of the most attractive…
We come across these terms again and again: active funds, passive funds, ETFs. However, the fund providers do not always say exactly what is behind them. There are often big differences in the fees. We take a look at where these come from and go along with the passive funds.
When investing, some people are completely put off by the fees – you have to recoup them first. Others don’t pay attention and then pay the bill. In fact, a small difference in fees makes a big difference. We compare active and passive investment products and do the math.
When saving in pillar 3a, you also have the option of investing your money in funds in addition to the traditional savings account. For some time now, these have also been available with a higher equity component. Let’s take a look at how you can make even more of your…
Reto is 34 years old and is looking forward to spring – he can finally get out on his mountain bike more often again. His thoughts are of sunshine, mountains and nature. Understandable! And yet Reto should pay in his pillar 3a at the beginning of the year. We show…
The 3rd pillar is your voluntary, private pension provision for retirement. How well do you know about it? We clear up the most common pillar 3a misconceptions and myths. Are you right about all the questions? Find out.
With the pillar 3a tax deduction, you can save taxes with pillar 3a.
This is not only worthwhile because you have made provisions for later.
But also because you pay less tax today.
The pillar 3a tax deduction can make all the difference, especially when tax progression kicks in.
Discover our 7 best tax tips for pillar 3a.
