Multi-Year Tax Planning
Thinking long-term – saving taxes systematically
Multi-year planning: seeing the big picture
If you only look at the current tax year, you give up significant optimisation potential. The most effective tax strategies unfold their impact over several years.
Staggered pension fund buy-ins, optimally timed pillar 3a withdrawals, strategic distribution of renovation costs – a multi-year strategy helps you get the maximum out of it.
Your benefits at a glance
Breaking progression
Achieve lower average tax rates through clever distribution
Optimal timing
Payments and withdrawals at the right time
Holistic approach
All elements coordinated with one another
Life planning integrated
Taking retirement, buying a home and family into account
Preserving flexibility
Strategies that can be adjusted
Measurable results
Clear projection of your tax savings
In-depth knowledge
Understanding the Swiss progressive tax system
The Swiss tax system is progressive: the higher the income, the higher the marginal tax rate. This progression is the key to multi-year planning.
A CHF 50'000 pension fund buy-in at a CHF 200'000 income saves more than at a CHF 120'000 income – because the marginal tax rate is significantly higher.
Staggering pension fund buy-ins optimally
Pension fund buy-ins are one of the most effective levers. The buy-in potential can range from CHF 50'000 to CHF 200'000.
Instead of doing it all in one year: spread it over 3-5 years to break the progression each year.
Pillar 3a: planning your withdrawal strategy
If you hold several pillar 3a accounts (ideally 4-5) and withdraw them in stages, you save tens of thousands of francs at retirement.
At the latest 5-7 years before retirement, your withdrawal strategy should be in place.
Property strategy
Renovation planning over several years, spreading energy-efficient renovations over up to 3 years, indirect amortisation via pillar 3a – all these strategies unfold their full effect over years.
Avoid common mistakes
These are the mistakes we see most often in practice
Pension fund buy-in shortly before a lump-sum withdrawal
Buy-ins within the 3-year blocking period are not tax-deductible.
Withdrawing all pillar 3a accounts at once
Staggered withdrawals save tens of thousands of francs.
Bundling renovations instead of spreading them
Missed opportunities to exceed the flat-rate deduction over several years.
Thinking too short-term
The greatest potential lies in multi-year planning.
Frequently asked questions about Multi-Year Tax Planning
Answers to the most important questions
Personal consultation
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Optimise your taxes long-term
With clever planning over several years, you save significantly – we'll show you how.
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