With its pension funds, you can build each and every one of your own pension Fund. However, more than three-quarters of the self-Saved, in spite of low interest rates on one account. "However, investments in securities for each type of need are available," said Nils Aggett, President of the Association of Pension in Switzerland, at the annual conference.
In the pension pillar 3a are saved according to Aggett around 100 billion Swiss francs. In this form of saving, employees are allowed to Deposit annually up to 6800 Swiss francs, and at the same time, the amount saved from taxable income is deductible.
nearly 60 billion francs is blocked in the Form of so-called vested benefits. This means pension assets, which are in the case of a change of Employer or a break of employment up to the time of Deposit at the next pension Fund is parked.
The sums of money belonging to the worker. You have to save the asset with the Obligation in the occupational Pension as well as voluntary deposits in the 3a-age financing laid back. You are allowed according to the Pension investment rules Investments in stocks, bonds, real estate investments, as well as raw material certificates.
Private her 3a - and free movement of persons to invest money consequently, as a pension Fund, or an individually more appropriate distribution to choose. The Swiss pension funds have aggregated considered in equities and bonds, one-third of the assets. A further 25 per cent invested in real estate.
fees last eighth
In reality, Private have their pension assets more or less fallow. The club benefits Switzerland brought together banks, insurers, and foundations lead to aggregated 4.9 million accounts and securities custody accounts with 3a and freedom of movement funds.
In the 3a-Savings were counted 2.3 million accounts and 0.5 million securities custody accounts. On the accounts at the end of 2018 were on average 21'000 Swiss francs, the Securities had, on average, 29'000 Swiss francs market value.
is Permitted to hold an account, and at the same time, a Depot, and such a system forms a parallel talk with several providers to. According to the Association of Pension provision Switzerland is only a small part of the population, but has several 3a-relationships.
In this business area forms of writing is usually structured in a so-called balanced, which is a stock proportion of 40 to 60 per cent, is aiming for are Worth. This newspaper will list in the table below, providers in addition to the standard product is also the very share emphasized 3a-Investments accessible to make. You need to clarify in the consultation, the ability and the tolerance of the customers, the stock-related fluctuations in the value of enduring.
in The table of collected values for the net performance, how strong are the Investment vehicles of 2018 had lost because of the stock market correction in the value of and how quickly you in the first four months of the current year have won. Those interested should not let the with the forms of investment related fees of the than Eight. The net performance is taken into account the administrative cost of annually 0.4 to 1.7 per cent of the assets.
(financial and economic)
Created: 17.05.2019, 17:22 PM