job change


Tax savings by structuring your pension fund assets


  • 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

 

When:

  • job change
  • step into independence
  • job loss
  • „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
St. Gallen SG  4'538  16'115  41'392  73'145  111'060  189'900  253'200
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 2016 (federal, cantonal and communal) for pension funds in CHF

 
Source: TaxWare
 

Example:

Splitting your pension fund assets in several accounts und withdrawn in one, two or three years

Massive tax savings as shown here:














Zurich
 1 Police   2 Policen  3 Policen


 1,5 Mio.   750'000  500'000







236'016  83'761  41'410



 83'761  41'410




 41'410
Total
236'016  167'522  124'230
Savings
0  68'494  111'786













Liestal BL

 1 Police   2 Policen  4 Policen


 1 Mio.   500'000  250'000







95'600  33'412  12'062



 33'412  12'062




 12'062

12'062

Total
95'600
66'824
 48'248
Savings 0  28'776  47'352













Lausanne VD

 1 Police   2 Policen  4 Policen


 2 Mio.   1 Mio
 500'000







273'850  130'207  57'196



130'207  57'196




 57'196

57'196

Total
273'850  260'414  228'784
Savings
0  13'436  45'066

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