Invest in pillar 3aUnderstanding the Swiss pension system

Pillar 3a Who can pay in?

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.
Financial lexicon

SNB

The BVG is the Federal Law on Occupational Old Age, Survivors’ and Disability Benefit Plans. It regulates occupational pension provision (the so-called “2nd pillar”) in the Swiss pension system. The 2nd pillar is intended as a supplement to the 1st pillar and provides supplementary benefits in old age and in…
Financial lexicon

Youthful years

What are teenage years? These are the first 3 years of AHV contributions. In principle, everyone in Switzerland must pay AHV contributions. As an employee, you are obliged to pay OASI contributions from January 1 after reaching the age of 17. If you are not gainfully employed, you are obliged…
Financial lexicon

Shortfall

Every pension fund must always be in a position to meet its obligations to its insured members. A simple indicator shows whether it is able to do so: the coverage ratio. It shows the ratio between the assets and the obligations of a pension fund. Underfunding means that the coverage…
Financial lexicon

AHV

AHV stands for “old-age and survivors’ insurance”. It is the cornerstone of pension provision in Switzerland and is therefore also known as the 1st pillar.