When will I receive the 13th AHV pension? This question has been on the minds of many Swiss people since the vote in March 2024. The additional pension is intended to provide more security in old age. But there are still unanswered questions about payment and financing. Regardless of whether you are retiring soon or still working – the 13th AHV pension affects you. Find out everything you need to know about this change to the Swiss pension system here.
The planned pension tax on pillar 3a and pension fund withdrawals is causing a stir in Switzerland. With this tax increase as part of the relief package, the federal government wants to abolish tax advantages in pension provision. Read the article to find out what this could mean for your pension provision and what you need to know about it.
A purchase into the pension fund is subject to a blocking period for your lump-sum withdrawal. Find out how you can make effective use of the three-year rule and benefit from special tax advantages in Zurich.
When we hear the word “wealth”, we think of high incomes, company profits, inheritances and real estate.
For most people, however, their retirement assets in their pension fund represent their largest financial asset.
Discover what you will receive as a pension later on.
On January 1, 2025, the maximum AHV pension will increase by CHF 70 per month.
Other key pension figures will also increase as a result, for example in occupational benefits insurance or the deductions in pillar 3a.
Find out what will change in the key pension figures in 2025.
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.
A recent, surprising ruling by the Federal Supreme Court calls previous practice into question and fundamentally changes the purchase of an AHV bridging pension.
Find out why this ruling turns previous practice on its head and what this means for you in terms of tax deductions on early retirement.
You can deposit your termination benefit from the pension fund in a vested benefits policy.
But what exactly is it and does it make sense for you?
Read the article to find out what a vested benefits policy is, the differences to a vested benefits account and the 20 most frequently asked questions about vested benefits policies.
This will help you decide whether this solution is right for you.
What happens if you leave your pension fund before retirement without a new job?
In this article, we look at everything to do with vested benefits accounts, such as opening, fees and costs, switching, closing, withdrawal in various cases and tax consequences.
In our vested benefits account comparison 2024, we take a look at various providers for vested benefits accounts or vested benefits custody accounts.
Discover which criteria are important in the article and find your provider.
Optimize your finances and have your pension under control: We show you how you can optimize and boost your pension provision and finances with life hacks.
How to make the next year a success!
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.
The pension key figures 2024 for the maximum AHV pension 2024, occupational pension provision and pillar 3a determine how high your pensions will be.
The AHV reform will take effect on January 1, 2024, but there will be few changes to the 2024 key pension figures.
Find out what is changing and how much you can deduct from pillar 3a in 2024.
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.
Many people withdraw their vested benefits account at normal retirement age.
But how can you save tax on withdrawals from a vested benefits account?
Discover important changes with the AHV21 reform in the article.
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?
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.
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.
How much money a pensioner needs in Switzerland varies from person to person. What you can assume, however, is that as a retired person you will have much less than today without your own precautionary measures. And around 40% less income that you have to get by with. How does…
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…
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…
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…
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…
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.
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…
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…
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…
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…
The latest pension fund study shows that the 2nd pillar is running out of money. The pension funds have taken measures to secure our pensions – but at a lower level. In particular, incomes over CHF 78,000 will receive less under this system. Those who earn more should make their…
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…
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…
As we have already written, “the more you pay into the pension fund, the more you get out”. Although your employer chooses your pension fund, you have a choice with many pension funds. You can voluntarily choose a higher savings option, make a pension fund purchase or make an early…
The NZZ headlines “Many Swiss have no idea about old-age provision” and SRF 10vor10 reports on a pension fund model that provides for temporary pensions – in the extra-mandatory scheme. We think it’s time to take a closer look at the pension fund. Because that’s what matters.
Sounds logical so far. Have you ever thought about not working until your mid-60s? Some people dream of retiring at 50. Others reckon with the statutory retirement age, but would still like to have the choice. Find out how early retirement works in the Swiss pension system and which considerations…
After an intensive development period, we are delighted to have completed the pension check. We hope you are pleased that you now have a clearer picture of your pension provision. Because the referendum campaign on the 2020 pension reform is heating up. According to a survey by Tamedia, the reform…
According to the Federal Statistical Office, households in Switzerland have a monthly savings potential of CHF 1,500. Similarly, in a study, a quarter of individuals surveyed stated that they had between 500 and 1,500 francs a month left over. Enough to make something of it. But how? The basic rule…
Plan, tackle, implement. Determined like Hannibal and the A-Team. Also sounds sensible when it comes to pensions. And yet we put off making important financial decisions. Find out why this is the case and how you can still make a plan here. So that you can be as successful as…
Would you rather have a marshmallow now or two later? In other words: are you prepared to do without something today in order to have more when you retire? We want to enjoy life to the full here and now and often find it difficult to save for old age….
