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With the pillar 3a of the right save on taxes

In the next tax Declaration of employees for payments to deduct in the pillar 3a up to 6768 francs from taxable income. Condition is that you belong to a pension Fund. In the case of self-employed persons without a pension Fund, the upper limit is 20 percent of the income, or a maximum of 33'840 Swiss francs. Also employees without a pension Fund can make up to 20 percent of their wages as a deduction.

the higher the tax burden, the greater the savings advantage with the pillar 3a tax on the income. This leads to significant Differences in the cantons and the municipalities: Who pays the 6768 francs in the column 3a, a saves in new castle, about two and a half times as many taxes as in train.

Even at low income, the tax savings is less. Reason is the deeper Progression With a pillar 3a payment of 100 francs, the tax burden is reduced at best to 10 francs, while it can be in the case of high income of more than 30 Swiss francs. So, if young people pay in because of the lower salary and less in your pillar 3a Pension to gamble away a big tax advantage.

However, it is wise to start early with a Pension and regular pay. The lower the tax Savings, the more Alternatives to pillar 3a are worthwhile, however. Especially in the case of long-term investments because of the tax-free capital gains, equity index Fund, interesting. Meanwhile, it is also possible to invest in a 3a Fund with a high equity component.

but in Principle, Who decides to Save for the 3a, has a tax advantage, but the money is not up to the Retirement available for free. A case of premature Capital withdrawal is only for in-house financing, with the inclusion of a self-employed activity or a move abroad.

The withdrawal of pillar 3a retirement age is at a privileged tax rate, but even here, there is a Progression. Therefore, it is recommended to stagger the payment. "Who let the Savings pay off in instalments spread over several years, always saves taxes," says Kornel Wick, a Director and responsible for private customers in the case of the auditor, PWC. This is possible with a new account, as soon as a certain sum is accumulated. Experts cite Figures of between 50'000 and 100'000 Swiss francs.

Multiple accounts

In the case of a high Progression, it is worthwhile to split the retirement capital in pillar 3a at the lower amounts. Otherwise, less likely. For example, in Geneva, the Taxpayer can save almost 8700 francs, when he distributed a pillar 3a capital of 200'000 Swiss francs on four accounts, and in different years refers to. In Zurich, however, only 2340 francs.

Who wants to carefully plan, can ask the competent tax administration. Usually up to five pillar 3a are allowed accounts. Individual cantons, among others, of Zurich, however, so many of them.

a married couple don't need to make sure that you dissolve your separate 3a accounts at the same time. Otherwise, be counted the payouts in the joint tax return together, and on a higher level of Progression and taxed. Also any lump sum from the pension Fund is added.

The pillar 3a offers plenty of space, in order to optimize the payments for tax purposes: The accounts may be dissolved up to five years before the ordinary retirement age. In the case of a gainful activity up to five years thereafter.

(editing Tamedia)

Created: 16.12.2018, 17:47 PM

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