Management schemes

29.03.2021

Capital withdrawal taxes compared

How is the capital withdrawal tax calculated and where do you pay the least? We show it in this article.

18.03.2021

Which benefits do I get from the OASI?

There is no choice whether to pay into the OASI or not. The OASI as the 1st pillar in the Swiss pension system is mandatory. And yet it is an interesting question whether the OASI brings something to someone or not? In this article we would like to investigate this question by comparing the OASI …

18.03.2021

Are indirect amortization really in your best interest?

→ Go to the Do’s and Don’ts of Pillar 3a. Indirect amortization is only of limited interest With an indirect amortization of the mortgage, you can reduce your taxable income. This is because, on the one hand, you pay more interest on the debt and can therefore also deduct it and, on the other hand, …

17.03.2021

Understanding the pension certificate

The pension certificate is full of specialist expressions that hardly anyone understands. No wonder, the «paper» often ends up unread in a folder. Reasons ranging from «retirement is still a long way ahead» to «there’s nothing I can do about it anyway» are likely to contribute to the lack of interest. But that doesn’t have …

24.11.2020

Withdraw pension fund assets for home ownership

If you want to buy property, you need at least 20% of your equity capital. If your free funds are not sufficient, an early withdrawal can be drawn from the pension fund. In doing so, up to 10% of the lending value can be provided from 2nd pillar funds. And even if you have sufficient …

04.11.2020

Termination: Where to deposit the money from the pension fund?

If you are laid off or move to another job, the question arises as to what you should do with your pension fund assets. But before getting into the real issue, we would like to touch on a few other points in this context, which may be almost more urgent: You remain insured for the …