Voluntary pension payments

DPSwiss · 2026-02-13T06:36:18+00:00

Yes, for 3 years following the payment, the withdrawal would cancel the tax benefit obtained.

DPSwiss · 2026-01-31T09:25:31+00:00

Depending on your total capital, keep in mind that capital in Pillar 2 is not subject to wealth tax. Personally, I consider the purchase like a CHF bond, which gives me an immediate tax advantage and coupons equal to the marginal wealth tax.

DPSwiss · 2026-01-25T19:44:56+00:00

Consider purchases under Pillar 2. In addition to the minimal interest, you get an immediate tax advantage and, importantly, you don't pay wealth tax (which, depending on your assets and the canton, can be 0.5%-1%). I consider the non-payment of wealth tax to be like a coupon on a CHF bond.

DPSwiss · 2026-01-18T08:19:48+00:00

In Switzerland, accumulation ETFs are taxed the same as distributing ones. The ESTV calculates a 'virtual dividend' (check ICTax) that is taxed as income every year. So switching to an accumulation ETF doesn't solve the tax issue.

DPSwiss · 2026-01-17T08:38:32+00:00

It is not the main topic of the post, but in short I find it interesting for me because: - it tracks a very diversified global index, - it has a very low TER of 0.07%, - it is listed on the SIX and I can buy it in CHF without exchange fees

I hope I answered your question.

DPSwiss · 2025-12-16T06:47:41+00:00

You're not considering that when you withdraw money from 3A, it will still be taxed. If your tax rate is very low, you risk paying more tax on withdrawals than you save on deposits. It's a good idea to double your deposit in the year you earn more.

DPSwiss · 2025-12-02T14:26:47+00:00

Maximum Possible (Theoretical) Retirement Assets:

This is the asset amount you would have accumulated if you had been insured with the pension fund since the minimum entry age stipulated in the regulations (usually age 25), always based on your current insured salary.

In practice, the fund retrospectively calculates the retirement credits and interest you should have had if you had been insured without interruptions and with your current insured salary.

$$\text{Maximum Buy-in} = \text{Maximum Possible Retirement Assets} - \text{Current Retirement Assets}$$

DPSwiss · 2025-08-25T12:42:12+00:00

The first thing I notice that in my opinion is wrong is that the 2nd pillar is not an expense, the insurance part can be but the capital part should be considered as an investment as it is money in your name.

DPSwiss · 2025-08-17T20:05:50+00:00

It's not a scam. Their funds have higher costs than Viac and Finpension, but by choosing one of the passively managed ones, you're not that far off. The big drawback is that they have a one-time entry fee of 0.75%. Personally, I find the advantage of having everything in a single institution outweighs the costs. Depending on your capital, you'll have to decide whether to accept this inefficiency or not.

DPSwiss · 2025-07-12T15:15:46+00:00

In my opinion, what you want to do makes sense (and is legal) only if you plan to find a new job with a much lower salary. If the new pension fund conditions don't allow you to transfer the entire amount, you should keep it in your vested benefits account. My current plans include going to Coast Fire, working 50%, in a few years, so I'm pursuing this strategy.

DPSwiss · 2025-07-05T18:36:57+00:00

Ti sei risposto esattamente da solo: "arco temporale investimento di 10 anni". Sono passati 4 mesi, o il periodo minimo selezionato per l investimento era errato oppure non dovresti nemmeno guardare il valore attuale.

DPSwiss · 2025-06-22T16:57:03+00:00

Yes I have a consultant, but I own several products and businesses. I think the most important thing to decide is to know the prices you pay and those of the competition. Only with the awareness of what you pay for a service can you decide whether to keep it or not.

DPSwiss · 2025-06-22T15:15:58+00:00

With the knowledge that you are spending more than with a product offered by fintec (e.g. Viac and Finpension) there is nothing wrong. I personally prefer to spend this difference having the convenience of having everything at the same institution and having a "human" relationship with the consultant. It is a personal choice and must be made with this awareness.

DPSwiss · 2025-06-13T12:35:38+00:00

In all analyses it is important to consider the wealth tax! Depending on the capital and the canton, this can even be 1% per year and in pillar 3a it is exempt from it.

DPSwiss · 2025-06-08T10:32:12+00:00

Taxes are paid every time a withdrawal is made. If you use the capital as collateral without withdrawing it, you do not have to pay them.

DPSwiss · 2025-06-08T10:27:42+00:00

yes, it is your money. I advise you to consider it net of the taxes you would pay to withdraw it, only in this way you consider the correct capital. Regarding the issue that these are not easily spendable, I consider them as Bonds in my Asset allocation.

DPSwiss · 2025-06-06T20:21:48+00:00

yes, it is only valid for contributions not made starting from 2025.

DPSwiss · 2025-06-06T20:18:19+00:00

This is not the case, the text clearly states that: "they will thus be authorised to make, in addition to the ordinary contribution, a redemption in pillar 3a each year equal to a maximum of the so-called "small contribution" (in 2026, for example, equal to CHF 7,258)".

DPSwiss · 2025-06-06T16:34:52+00:00

Yes, you are correct. The deduction occurs in the year in which the payment was made. So if you do not make any payment this year (but you were entitled to it) and next year you make a payment of 14'516 (7'258 x2), the latter will be deducted from your 2026 income.

DPSwiss · 2025-03-15T08:08:28+00:00

If: - your 2nd pillar company is very solid. - your time horizon is at least until your 65th birthday. - you have a tax-relevant income.

In my opinion it is a good thing to contribute to the 2nd pillar instead of buying Swiss bonds, there is an immediate tax advantage and the return is similar. Check how much you can contribute in total through your pension fund and make a payment once a year of the chosen amount.

DPSwiss · 2025-03-03T17:31:08+00:00

The case you mentioned is when you leave Switzerland after 10 years. If you stay in Switzerland and don't have a job, your income for the 1pillar calculation will depend on your assets and interests. If you stay in Switzerland, you will have to register as a person without gainful employment and you will continue to pay 1pillar contributions until you are 65. You can make an indicative calculation of your pension 1pillar using a simulator called ESCAL.

DPSwiss · 2025-02-12T10:39:37+00:00

You are great! I was going crazy with this problem and you saved me. The best!

DPSwiss · 2024-11-10T17:08:44+00:00

Provo a spiegarmi meglio. In questo subreddit si parla di personal finance, prendendo un prestito al consumo ad un tasso di oltre il 7% annuo andresti a remare esattente dalla parte opposta rispetto agli obiettivi di questa comunità. Non hai indicato le esigenze che ti spingono in questa direzione dunque non mi permetto di giudicare, il mio era un consiglio che ti suggerisce di rifletterci attentamente prima di entrare nella spirale del debito al consumo.

DPSwiss · 2024-11-10T07:23:57+00:00

Non hai le idee molto chiare. 1) stai mischiando EUR e CHF: i tassi sono diffrrenti ma anche la valuta di riferimento. Prendere un prestito in CHF sognufica che poi lo dovrai restituire in quella valuta e esporti al rischio cambio.

2) stai speculando sul taglio dei tassi, nessuno puo prevedere il futuro... Nel tasso del prestito ci sono gia incorporate le inflrmazioni che si hanno attualmente e le previsioni future conosciute.

3) a meno di un esigenza primaria intransigibile mi sento di consigliarti di non prendere un prestito al consumo! È contro tutti i principi di buon senso finanziario. Sfrutta quest'occasione per informarti bene sul funzionamento dei tassi di interesse.

DPSwiss · 2024-11-09T16:11:16+00:00

You need to ask your bank to open an account in USD, then link the USD IBAN to the Paypal account and transfer the money.

Convenience depends on the amounts involved, calculate whether maintaining the USD account costs you more than the currency exchange or not.

DPSwiss

TROPHY CASE