A physical therapist wants to make additional, voluntary payments into your pension Fund. This is a very good idea: you will get a higher pension, improved financial protection against disability and may cause the purchase from the taxable income in the deduction.
The woman at the end of 50 that I know personally, is not long for the pension Fund is insured. It has, therefore, according to the BVG-Vorsorgestiftung physio Swiss, a large shopping gap of more than 220’000 Swiss francs. So much could you Deposit, theoretically, to be fully purchased. Now you write the Pension Fund: Of the maximum possible purchase sum is to be deducted: “funds in pillar 3a to the time as self-employed without 2. Column for the part that exceeds the maximum possible funds in pillar 3a, with simultaneous insurance in the 2. Column is possible.”
dear readers, is there anyone among you who is not a Swiss certified pension Fund Manager, a member of the Swiss chamber of pension experts, Professor Dr. Dr. honoris causa of the law, or is otherwise a damn fine house, or understand this sentence?
I am working since about 20 years with the occupational Pension, sass, during what felt like ten years as employee representatives, two Foundation boards, but this sentence, dear physiotherapist, I understand.
Fortunately, I have something like a direct line to the Federal social insurance office (BSV). There lawyers that can help me to translate the gobbledygook to sit.
About as I understood the statement by the lawyer: Who is affiliated to a pension Fund, is currently allowed to Deposit a maximum of 6768 francs in the column 3a and if the taxes assert. In the case of self-employed without a pension Fund, the maximum tax is deducted 33’840 Swiss francs. The small and the great trigger.
Suppose a Person without a pension Fund benefit for many years from the large deduction and only occurs later in a pension Fund. You want to go shopping now, you would be allocated to those insured before, the insured no longer in the pension Fund and in all the years only the small 3a-deduction could be made.
Therefore to be brought from the whole of the possible purchase sum of the amount of the deduction that someone was able to Deposit due to the large deduction more in the pillar 3a as someone with a small deduction.
What is the main problem of our 2. Column? It is the high conversion rate, not the co-ordination deduction is not, is not the Insured cross-subsidisation from active to passive. The main problem of the occupational Pension scheme is that it is unspeakably complicated.