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prevention and Successfully plan your finances

On this page we have summarised the most important things about retirement planning for you. Start thinking about the future today and achieve goals such as financing your children's education, your own home and your pension. 

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AHV – where do I currently stand?

How high will my AHV pension be?

The amount of your AHV pension is as individual as your life story. Your future pension amount is determined by the length of your contributions and your average income. The AHV pension is calculated and paid out individually for each person - even for married couples.

AHV

contribution period

The income you earned between the ages of 21 and retirement age is taken into account when calculating your AHV pension. The basic requirement for a maximum AHV pension is 44 years of contributions for men and 43 years of contributions for women. The minimum AHV pension is 1 francs; the maximum pension is 195 francs.

AHV card

married couple's pension

The AHV pension is calculated separately for each person. For this reason, income and childcare credits are divided between former and current spouses. This process is also known as splitting.

The AHV law stipulates that a married couple can receive a maximum of 3 francs together. This corresponds to 585 percent of the maximum individual pension. In this case, both pensions are reduced proportionately. This is called capping. The pensions are paid separately. If you would like to know how high your pension will be in your case, we recommend that you make a pension forecast.

The 2nd Pillar: Pension Fund and BVG

  • Do I know how to read a BVG policy correctly? How do I identify gaps in my pension provision and how do I decide whether I can afford early retirement?
  • What is the pension fund coordination deduction? And what is a supplementary pension? What is included in the BVG insurance? And what does the abbreviation BVG actually mean? The occupational pension scheme (BVG) in Switzerland is a closed book for many people. With all the technical terms, that's no wonder. Nevertheless, it is important to deal with the topic in order to plan your finances successfully. Because the BVG forms the second pillar of your pension provision. And is therefore an important pillar of your financial security.
  • With the 2nd pillar, you as an employee and your employer contribute to your pension provision. With a good tax planning You can save a lot of money during your retirement and during your retirement. 
  • Call us and we will be happy to assist you and provide you with your personal explanations. Make an appointment for a free and non-binding initial consultation to successfully plan your pension and finances!
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The Third Pillar in Pension Provision

With the third pillar as voluntary self-provision, it is possible to supplement statutory provision. And you save taxes in the process! Depending on your retirement goals, the third pillar allows you to provide for the future as early as the age of 3. 

Tied self-provision (pillar 3a)

With Pillar 3a, you can accumulate savings at a bank or insurance company over the course of your working life until you retire.

Key features of Pillar 3a:

  • You can deposit a maximum amount into your account each year.
  • The interest rates are higher than on a savings account.
  • The contributions you pay can be deducted from taxes each year.
  • Certain conditions apply to the withdrawal of the credit.
  • When the balance is paid out, a one-time tax is due, which is based on the income at the time of withdrawal.

Unrestricted self-provision (pillar 3b)

Key features of Pillar 3b:

  • You can make any amount you want each year.
  • You must declare the saved balance in your tax return every year.
  • The credit must usually be taxed annually.
  • You can withdraw the money at any time.
  • You do not have to pay any additional taxes when you withdraw the money you have saved.

Have I properly insured my family?

Financial planning and security often go hand in hand. However, the combination of planning and insurance needs to be carefully considered.

Why an insurance solution and not a bank? Do I need insurance coverage?

3a products from banks and insurance companies: similarities and differences

Banks and insurance companies are somehow similar. Financial matters, that is. I'm sure the pension products are exactly the same, right? Not quite.

There are similarities, but also striking differences in the 3a solutions.

  • The similarities: You can take precautions, save taxes, but also have a supply restrictions
  • Banks and insurance companies must have the same statutory regulations retain.
  • Both providers allow you to select a specific Deduct the amount from your taxes.
  • And the following apply limited purchasing options of the saved funds: they can only be withdrawn for home ownership, emigration, starting self-employment or upon reaching retirement.

The differences: risk protection and flexibility

With a 3a pension solution from an insurance company, insurance coverage for disability or death. Depending on your needs, in the event of disability, either a premium waiver is insured so that you can reach your savings goal in any case and/or a pension is paid out to cover any loss of income. If death is insured, a death benefit is paid out, which, for example, protects your family from the financial consequences of this stroke of fate or enables them to amortize the mortgage on their home.

This additional insurance cover costs money. Therefore, the premium for a 3a pension insurance policy is share of the insurance costs deducted from the savings deposit. This means that, unlike a 3a product at a bank, not the entire amount is invested for retirement provision.

With an insurance company, you take out a preventive policy with a fixed contract duration - usually until retirement age - and commit to paying in a certain amount regularly. In return, this gives you the guarantee that you will successfully plan and safely achieve your pension goals. With pension products, premium breaks are possible and the premiums can also be adjusted to changing needs. With a bank, there is no obligation to make regular payments. Achieving your pension goal therefore depends on your discipline.

You now know the general similarities and differences. But that's not all. Within one provider there are different products that can be selected and adapted to your individual needs and requirements.

We are happy to help you and explain the advantages and disadvantages.

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SimpleFinance by SimpleTax

Your contact for finances and taxes related to your home

LUIGI MIGGIANO 

Partner Finance & Investment
business economist

VBV FINMA Reg. No. 26010

MAURO PAMATO 

insurance advisor VBV

STEPHAN NIGGLI

tax returns of natural persons and tax planning

Dipl. Natw. ETH

services

  • The specialists at SimpleFinance by SimpleTax We independently select the most suitable and best financial and insurance products for you from a wide range. We always bill our services transparently.    
  • You can find us in 6 regions in the cantons ZH /AG: Dübendorf / Stettbach (City of Zurich, See), Bülach (Zurich, Kloten, Weinland), Regensdorf (Zurich Unterland), Winterthur, Wetzikon (Zurich Oberland), Baden/Wettingen/Lenzburg
  • Satisfying our new and regular customers every year is our motivation. As independent companies You, as our customer, are our focus.
  • With our financial partners we will find the best, but also individual solution for you. Buying and financing a home requires considering all aspects: contract, mortgage, tax planning, insurance and pension provision.  

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Things to Know About Pensions and Finances

In our blog we regularly publish articles from our consultants on all topics related to taxes, pensions, home ownership and insurance.

November 7, 2024

Pillar 3a: Maximum tax deductions in 2025

Tax deduction for the 3rd pillar in 2025 Pillar 3a supplements the AHV and the BVG. Payments into an account or into a pillar 3a insurance can be deducted from taxes. For the 3rd pillar in 2025, the maximum amount is 7 francs for employees. Double tax deduction from 258 If there were contribution gaps in previous years ...

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January 15, 2023

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Press release Dübendorf, 1 February 2023: For over 20 years, SimpleTax Tax services at fair prices in Switzerland. With clients ranging from working people and pensioners to expats, the Swiss company has established itself as one of the largest experts in the field of tax consulting. The company now offers SimpleTax also offers straightforward, holistic financial advice. ...

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December 30, 2022

Tax and Financial Planning 2024

Financial planning is the basis for saving taxes. It is based on the individual life situation and the goals set. From this, you can easily derive a tax plan that saves a lot of money and avoids mistakes that cannot be corrected later. The tax and financial planning annual calendar and dates for the tax return (short term) Every year the ...

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September 25, 2022

Budget Planning: The 3 Absolutely Necessary Elements

Surprisingly, only a few people have a budget plan. Some people seem to find it difficult to optimize their own finances quickly and sustainably with this simple tool. The most important elements are: Income: wages, pensions, additional income and interest Fixed expenses such as taxes, rent, energy, interest and transport costs Variable expenses: household, pocket money, leisure time, gifts, holidays and provisions ...

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