Three ways to invest your lump sum
Making you aware of strategies to deal with your lump sum and avoid the most common pitfalls.
Save on taxes every year and provide for your retirement.
You’re free to decide whether and how much of your 3a capital you want to invest in sustainable investment funds.
Fulfill your dream of owning your own home or running your own business.
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Answer just a few questions to find out which 3a pension solution suits you best.
We propose different pension solutions and you choose the one that suits you and the way you live your life.
Open the 3a pension solution directly in the Mobile Banking App and choose how much and how often you would like to deposit for your future.
Download the UBS Mobile Banking App by either scanning the QR code or clicking on the App Store.
Paying into pillar 3a is worthwhile for tax purposes in several respects:
By making voluntary purchases in the pension fund, you reduce your tax burden and gain additional tax advantages:
To assess your financial situation, compare current expenditures with your expected income.
Do you need more money today than you’ll have after retirement? Then you need to act. You have several options to boost your income in retirement:
You can withdraw money from pillar 3a up to five years before reaching AHV retirement age. However, taxes fall due when the savings are disbursed. The taxes increase progressively according to the amount disbursed.
If you have a second or even a third retirement savings account, you can withdraw your money in staggered amounts over several years. This lets you significantly reduce your tax burden.
A rule of thumb: if you’ve saved 50,000 francs in one retirement savings account, you should open a second retirement savings account.
When buying a home, you may also use pension assets from pillar 2 and pillar 3 – provided you’ll be moving in yourself.
The following applies to financing: you need at least 20% of the purchase price as equity. No more than half of this can come from pillar 2.
With regard to both pillars, you have the following options:
Pillar 1
If you are not employed in Switzerland, you’re no longer covered by mandatory insurance. Accordingly, you also no longer pay any contributions. However, you’ll receive benefits in accordance with the contributions made and the number of years that you contributed. When you retire, or in case of invalidity or death, you’ll receive a reduced pension from AHV/IV.
Pillar 2
If you stop working in Switzerland, you lose the connection to a pension fund. Instead, the money must be transferred to a vested benefits account and will remain there until you take up a job in Switzerland again.
If you leave Switzerland permanently and move to a country outside the EU/EFTA, you can entirely withdraw the pension fund capital or park your money in a vested benefits account.
Pillar 3
If you leave Switzerland permanently, you can withdraw your savings from the restricted pension provision 3a without restriction.
The benefits from AHV and pension funds are not enough for the lifestyle you are used to. That’s why it’s so important you start making additional savings early.
Not only will payments into pillar 3a save on taxes, but you’ll also have more time to build up your savings. Saving even small amounts pays off.
Sample calculation: if you pay CHF 100 every month into a retirement account, you’ll have saved up roughly CHF 50,000 after 40 years, including interest.
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