You can save tax by paying into a Pillar 3a account. You can pay up to CHF 6,768 a year into the account. This maximum amount is fully deductible from your taxable income.

The pension certificate provides you with information about your occupational pension cover each year and whenever any changes are made. In the pension certificate, you will find detailed information about your insured benefits payable upon retirement and in the event of death or disability. It also includes details of the contributions that you and your employer make to the pension fund.

The money paid out to you on your retirement is taxable. Since you are not permitted to make a partial withdrawal from a single account and the tax rate increases with the size of the deposit, it makes sense to open several pension accounts and stagger your withdrawals. Spreading your funds in this way means you can close the various accounts over several years and thus avoid progressive taxation – in full compliance with the law.

In Baloise, you are choosing an experienced partner that knows the Swiss pensions market inside out. For more than 150 years, we have been a reliable partner in all matters relating to pensions, offering a range of attractive pension solutions.

Baloise offers a range of pension solutions that regularly achieve top rankings in comparisons with competitor products – notably, our BVG-Mix vehicles, which you can use in the context of a Pillar 3 pension solution. You can compare our product solutions with those of our competitors at www.kgast.ch.