Save for retirement and save on taxes at the same time? We’ll show you how to achieve maximum tax savings.
The Federal Social Insurance Office has set the maximum amounts for pillar 3a («linked pension plan») for 2022. You can deposit up to the maximum amount of contributions into your pillar 3a account tax-free in the current year and deduct them from your income in your tax return in full:
Employed persons with pension fund (second pillar)
maximum CHF 6'883.-
Self-employed persons without pension fund (second pillar)
20% of net earned income, maximum CHF 34'416.-
Persons of retirement age can continue to pay into the scheme until five years after reaching the normal retirement age (women 64, men 65), provided they are still in employment.
Despite a temporary interruption in gainful employment, the pillar 3a deduction entitlement is maintained as soon as a replacement income or income from gainful employment subject to AHV contributions is received (e.g. military service, maternity, etc.).
You can’t pay the maximum contribution into your pillar 3a this year? Don’t worry, deposits can be made from as little as CHF 1. Here we show you why a pillar 3a is also worthwhile if you don’t have much money to spare.
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