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Structuring your pension fund assets when changing or losing your job - in german only
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Tax savings by structuring your pension fund assets

 

  • only possible at job change!
  • by splitting your pension funds assets in 2 vested benefit accounts, before your assets are transferred to the new employers pension fund
  • makes as well sense for accounts pillar 3a above CHF 50‘000
  • thus, your fiscal debt will be reduced drastically when you withdraw them later (usually at retirement)
  • earned profits within your pension fund / vested pension benefits are tax free

 

When:

  • job change
  • step into independence
  • job loss
  • leaving Switzerland
  • „kids break“

 

Taxes due by withdrawing your pension fund assets


    Amount CHF            
     100'000  250'000  500'000  750'000  1 Mio   1,5 Mio   2 Mio 
                 
Aarau AG  3'526  15'724  38'094  61'152  84'277  129'653  175'028
Bern BE  3'926  15'484  38'619  65'431  93'032  148'815  206'315
Liestal BL  3'694  12'062  33'412  64'662  95'600  145'875  194'500
Basel BS  5'144  20'562  47'062  73'562  99'750  151'250  202'750
Luzern LU  4'312  17'385  40'560  63'735  86'598  131'100  174'800
                 
Lausanne VD 5'967  23'103  57'196  93'858  130'207  202'029  273'850
Zürich ZH  4'774  14'762  41'410  83'761  130'003  236'016  351'812
                 

 

valid for: married persons

total taxes 2018 (federal, cantonal and communal) for pension funds in CHF

 

Source: TaxWare

Figures are indicative and without engagement; S.E. & O.

 

Example:

Tax savings when splitting your pension fund assets in 2 accounts

Massive tax savings as shown here:

         
 
   
         
Zurich    1account
 2 accounts  
     1,5 Mio.   750'000
 
         
    236'016  83'761  
       83'761  
         
Total   236'016  167'522  
Savings   0  68'494  
         
 
   
         
Liestal BL
   1 account
 2 accounts  
     1 Mio.   500'000  
         
    95'600  33'412  
       33'412  
         
Total   95'600 66'824  
Savings   0  28'776  

Let me support you in the structuring and execution. Contact me without any obligation