pillar 3a


With an account "pillar 3a", you can invest max. CHF 6'768.-- for 2016.

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

As for accounts pillar 3a, there are the same investment vehicles as in accounts for vested pension benefits:

 

In cooperation with a leading foundation for vested pension benefits, I can offer the possibility to invest these assets with an efficient service at favourable terms. Thanks to my independence, I can offer the best solution for you with various banks and the widest range of investment products in Switzerland with over 50 BVV"/LPP-compliant funds.


You profit as well of the conditions for institutional investors and: income and profits are tax-free


Examples:

Tax savings with max. payment into pillar 3a CHF 6'768.-- p.a.










CHF
taxable income
 60'000
taxes (Gemeinde/Staat/Bund)  6'937
taxes with pillar 3a
 5'613
savings

 1'324



23.60%




taxable income
 90'000
taxes (Gemeinde/Staat/Bund)  14'054
taxes with pillar 3a
 12'300
savings

 1'754



14.30%




taxable income
 120'000
taxes (Gemeinde/Staat/Bund)  22'625
taxes with pillar 3a
 20'690
savings

 1'935

Stadt Zürich, not married,

without "church-taxes"



9.35%

 

 

Source: Cantonal tax office of the corresponding canton; as per

01.01.2016; Figures are indicative and without engagement; S.E. & O.