• only possible at job change!
  • by splitting your pension funds assets in several 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
  • examples find here

open questions:

  • basic income AHV/AVS, pension fund  and pillar 3a, savings
  • private provision, lifelong pension or withdrawing all assets? or a mix of both?
  • investment strategy and management for private assets
  • tax planing before, during and after retirement
  • matrimonial and inheritence law, coverage spouse / partner
  • establish budget after retirement
  • pay back / reduce mortgage?

Interest rates on accounts for vested pension benefits are at 0,0 - 0,50% p.A.

(as per March 2017)

It is obvious: On a long term view, there is no significant growth possible.

 

In cooperation with one of the leading foundation for vested pension benefits, I can offer various options to invest assets of vested pension benefits in an attractive, efficient and client friendly way.

Thanks to my independence, I work with a number of different banks, investment foundations and providers of collective investment products to guarantee my clients the best possible solution.


 

With an account "pillar 3a", you can invest max. CHF 6'768.-- for 2017.

This amount is tax free, you can deduct this amount from your taxable income and save taxes.

 There are the same investment vehicles for accounts pillar 3 as in accounts for vested pension benefits:

 

In cooperation with one of the leading foundation for vested pension benefits, I can offer various options to invest assets of vested pension benefits in an attractive, efficient and client friendly way.

Thanks to my independence, I work with a number of different banks, investment foundations and providers of collective investment products to guarantee my clients the best possible solution.