Pension plans

Solutions for every phase of life

Your pension planning

Ihre Vorsorge-planung

We examine your pension situation and advise you in every phase of life. We adapt the pension benefits to your current professional and social situation. Additionally, our experts check if you are using the full potential of your pillar 3a and your occupational pension fund.

Employed

The private pension from pillar 3a is versatile in its application. It can be used for short-term goals like financing a home or long-term goals like your provision for retirement.
Your private pension 3a is exempt from income tax, wealth tax and withholding tax for the entire duration.

The annual savings contribution into your private pension 3a is deductible from your taxable income up to the determined maximum amount. The higher the tax burden, the higher will be your tax savings.

Provided it is planned in your private pension, the taxes on the paid-out capital of your private pension are charged at a special rate and separately from your other income (pillar 3a). However, these so-called taxes on lump-sum benefits are significantly lower than the resulting tax savings. The taxes on lump-sum benefits may also be inapplicable. (pillar 3b).
You can secure and invest capital with a bank or with an insurance. Both institutions have their advantages and we’d be happy to explain your benefits in a private consultation.

Private provisions help you to increase your pension and to avoid income shortfalls. These shortfalls can be made up for regarding your retirement as well as your current income.

Benefit from various privileges that apply when having private provisions such as inheritance, tax and bankruptcy benefits that will allow your family to be optimally insured.

The order of beneficiaries in the private pension allows you to define to some extent the individual beneficiaries and dependants.

With an insurance, you can cover additional risks such as the event of death or incapacity to work.

You can use the capital from your pension fund and your private provisions to buy owner-occupied property. An early drawing can create shortfalls in your pension plans and, therefore, needs to be assessed carefully.

To avoid pension shortfalls, you may also just pledge the capital instead of withdrawing it.
As soon as you take your first step towards self-employment, you can withdraw your capital from the pension fund and from your private provisions. The time frame for this is one year after you’ve received the confirmation of self-employment from your compensation office. An early drawing can create shortfalls in your pension plans and, therefore, needs to be assessed carefully.
We recommend to evaluate the financial needs for your retirement as early as possible. By doing this, you will know exactly if there is a need to take action and if you can consider an early retirement. Private provisions help you to increase your pension and to avoid income shortfalls.

Self-employed

As a self-employed person, you benefit from more freedom, but you also have a higher responsibility regarding your retirement pension. We can show you how to optimize your retirement benefits.
You can use the capital from your pension fund and your private provisions to buy owner-occupied property. An early drawing can create shortfalls in your pension plans and, therefore, needs to be assessed carefully.

To avoid pension shortfalls, you may also just pledge the capital instead of withdrawing it.

Benefit from various privileges that apply when having private provisions such as inheritance, tax and bankruptcy benefits that will allow your family to be optimally insured.

The order of beneficiaries in the private pension allows you to define to some extent the individual beneficiaries and dependants.

With an insurance, you can cover additional risks such as the event of death or incapacity to work.

You can secure and invest capital with a bank or with an insurance. Both institutions have their advantages and we’d be happy to explain your benefits in a private consultation.

Private provisions help you to increase your pension and to avoid income shortfalls. These shortfalls can be made up for regarding your retirement as well as your current income.
Your private pension 3a is exempt from income tax, wealth tax and withholding tax for the entire duration.

The annual savings contribution into your private pension 3a is deductible from your taxable income up to the determined maximum amount. The higher the tax burden, the higher will be your tax savings.

Provided it is planned in your private pension, the taxes on the paid-out capital of your private pension are charged at a special rate and separately from your other income (pillar 3a). However, these so-called taxes on lump-sum benefits are significantly lower than the resulting tax savings. The taxes on lump-sum benefits may also be inapplicable. (pillar 3b).

Retirement

We happily advise you on the possibilities to maintain your standard of living after retirement. Using private provisions, we can shape the best strategy for you.
We recommend to evaluate the financial needs for your retirement as early as possible. By doing this, you will know exactly if there is a need to take action and if you can consider an early retirement. Private provisions help you to increase your pension and to avoid income shortfalls.
The order of beneficiaries in the private pension allows you to define to some extent the individual beneficiaries and dependants.

We recommend to elaborate a last will and testament or a contract of inheritance and gladly support you in that regard.
Your private pension 3a is exempt from income tax, wealth tax and withholding tax for the entire duration.

The annual savings contribution into your private pension 3a is deductible from your taxable income up to the determined maximum amount. The higher the tax burden, the higher will be your tax savings.

Provided it is planned in your private pension, the taxes on the paid-out capital of your private pension are charged at a special rate and separately from your other income (pillar 3a). However, these so-called taxes on lump-sum benefits are significantly lower than the resulting tax savings. The taxes on lump-sum benefits may also be inapplicable. (pillar 3b).

Education & studies

It can be absolutely worthwhile looking into your private pension at an early stage. If you start to save earlier, your retirement provision will have less of a financial impact in the long run.
You can secure and invest capital with a bank or with an insurance. Both institutions have their advantages and we’d be happy to explain your benefits in a private consultation.

Private provisions help you to increase your pension and to avoid income shortfalls. These shortfalls can be made up for regarding your retirement as well as your current income.

Your private pension 3a is exempt from income tax, wealth tax and withholding tax for the entire duration.

The annual savings contribution into your private pension 3a is deductible from your taxable income up to the determined maximum amount. The higher the tax burden, the higher will be your tax savings.

Provided it is planned in your private pension, the taxes on the paid-out capital of your private pension are charged at a special rate and separately from your other income (pillar 3a). However, these so-called taxes on lump-sum benefits are significantly lower than the resulting tax savings. The taxes on lump-sum benefits may also be inapplicable. (pillar 3b).

Unemployed

Unemployment creates an additional pension gap. Thus, we recommend to maintain your retirement and family provision, especially in this period.

Benefit from various privileges that apply when having private provisions such as inheritance, tax and bankruptcy benefits that will allow your family to be optimally insured.

The order of beneficiaries in the private pension allows you to define to some extent the individual beneficiaries and dependants.

With an insurance, you can cover additional risks such as the event of death or incapacity to work.

As soon as you take your first step towards self-employment, you can withdraw your capital from the pension fund and from your private provisions. The time frame for this is one year after you’ve received the confirmation of self-employment from your compensation office. An early drawing can create shortfalls in your pension plans and, therefore, needs to be assessed carefully.

Der Bezug Ihrer Vorsorgegelder wir ausschliesslich bei der Gründung einer Personengesellschaft (Einzelfirma, Kollektivgesellschaft, etc.) bewilligt. Zudem muss die selbständige Tätigkeit als Haupterwerb gelten. Dies wird anhand des Einkommens aus der Selbständigkeit und der verwendeten Zeit geprüft. Der vorzeitige Bezug kann Lücken in Ihrer Vorsorge erzeugen und muss daher stets geprüft werden.
You can use the capital from your pension fund and your private provisions to buy owner-occupied property. An early drawing can create shortfalls in your pension plans and, therefore, needs to be assessed carefully.

To avoid pension shortfalls, you may also just pledge the capital instead of withdrawing it.
You can secure and invest capital with a bank or with an insurance. Both institutions have their advantages and we’d be happy to explain your benefits in a private consultation.

Private provisions help you to increase your pension and to avoid income shortfalls. These shortfalls can be made up for regarding your retirement as well as your current income.

“Liberty is the right to do what the law permits.”

Montesquieu

Useful links and documents

Financial consultation checklist

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Financial consultation checklist

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