1st, 2nd and 3rd Pillar
1st Pillar
The first pillar is an old-age and survivor's insurance. The first pillar is a pay as you go system, your contributions will be used pay the others. The fist pillar should covers subsistence needs in the old age or the event of a death.
Old age pension
With around 44 years of contribution you will get a monthly pension form around CHF 1'195.-- up to CHF 2'390.-- (single Person) or CHF 3'585.-- couple.
Disable pension
If you are 100% disable you will get the similar pension like the old age pension, otherwise the amounts will be reduced.
Widows / Widowers pension
The monthly pension for the widow or widower will e CHF 956.-- up to CHF 1'912.-- per month.
Orphans / Child pension
Minimum pension per month is between CHF 359.-- and CHF 478.-- up to CHF 717.-- or CHF 956.--
Link to the official homepage of the 1st Pillar
2nd Pillar
This is the pension fund you haven when you work in Switzerland and earn above a certain amount. The 2nd Pillar protects against risks such as disability, pension for surviving dependents, pension for old age and other pensions.
In addition, the 2nd Pillar can be used to optimize certain projects (home ownership, self-employment, leaving Switzerland) for tax purposes.
We can help you understand this product and show you what your pensions look like and what optimization opportunities you have.
3rd Pillar
In the third pillar, the investments are in your name and this provision is voluntary. It is used for old-age provision, risk protection or simply to optimize taxes.
There are many products to choose from, not every product will optimize taxes and not every product will be suitable for you. You can save for old age with an account or invest the money in an investment. It is possible to insure against risks such as death or disability in order not to get into financial difficulties. There are contracts with a term and those without running indicators. Contracts with a fix term can sometimes cause a loss if the payments are not made till the end of the contract.
Even with a third pillar, it makes sense to consider before buying whether this is the right product and or whether you need several different products. Please note that you have to pay taxes when withdrawing from the 3rd pillar. It therefore makes sense to optimize taxes for the 3rd pillar.
The more savings are in a third pillar, the higher will be the tax rate. Von Ehrenberg AG can try to optimize this for you.
If you leave Switzerland, it hardly makes sense to pay into the third pillar, as the payment cannot be deducted from your taxable income. However, as soon as you receive the money, the amount will be taxed. Thus, the third pillar can also generate disadvantages.
von Ehrenberg AG is specialised to guide you and show you the different products form Banks and Insurances. If an advise in relation to an insurance or bank products is needed, von Ehrenberg AG is able to organise a specialist form the bank or insurance which will join the meeting.
Möchten Sie mehr erfahren?
Inhalte von Google Maps werden aufgrund deiner aktuellen Cookie-Einstellungen nicht angezeigt. Klicke auf “Zustimmen & anzeigen”, um zuzustimmen, dass die erforderlichen Daten an Google Maps weitergeleitet werden, und den Inhalt anzusehen. Mehr dazu erfährst du in unserer Datenschutz. Du kannst deine Zustimmung jederzeit widerrufen. Gehe dazu einfach in deine eigenen Cookie-Einstellungen.
Adresse
von Ehrenberg AG
Hutgasse 1
4001 Basel
Öffnungszeiten
Montag: 7:40-17 Uhr
Dienstag: 7:40-17 Uhr
Mittwoch: 7:40-17 Uhr
Donnerstag: 7:40-17 Uhr
Freitag: 7:40-14:30 Uhr