Swiss Pension Advice

jobba hemifrån på internet As you are probably aware by now the Pension System here in Switzerland is made up of three elements.  These are known as the “Three Pillars”.  So what are they?

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تداول ثنائي خيارات التداول ثنائي nadex here Retirement PotFirst Pillar (State Pension) – This is the main element of the Swiss social security and consists of old-age insurance and survivors, more commonly known as AVS.  It’s purpose is to cover the basic requirements of an individual post retirement.

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go site follow site Second Pillar (Employers Pension) – The occupational pension is compulsory for all individuals who are employed. It is funded by employers and employees, with the purpose of providing a retiree a comfortable income.

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click here So what can you do to maximise your tax relief each year?

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tax-reduction أفضل موقع تداول للخيارات الثنائية Maximising Your Third Pillar

http://www.greensteve.com/?armjanin=%D9%88%D8%B3%D9%8A%D8%B7-%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D8%A7%D9%84%D9%8A%D8%A7%D8%A8%D8%A7%D9%86&286=6a So firstly you need to find a Third Pillar account that is suitable for you.  There are many options available and it can get quite confusing and time consuming researching them all.  It is important you seek advice beforehand to ensure you select the correct account for your current and future circumstances.  For example, do you choose a bank, insurance company, an SMI linked account or one with a Guaranteed amount?

دورات فوركس How Much Can You Contribute

go to link The current cap on the Third Pillar A is 6,768.00 per annum.  This amount is deductible from your income taxes and results in a rebate of approximately 2,000.00 Swiss Francs.

اسعار الذهب في السودان If You Live In Geneva

http://investingtips360.com/?klaystrofobiya=%D8%AA%D9%88%D9%82%D8%B9%D8%A7%D8%AA-%D8%A8%D9%8A%D8%B9-%D8%A7%D8%B3%D9%87%D9%85-%D9%85%D8%AC%D9%85%D9%88%D8%B9%D8%A9-%D8%A7%D9%84%D8%AD%D9%83%D9%8A%D8%B1&ff3=51 As Geneva is one of the highest taxed Cantons in Switzerland you can also receive additional tax relief by utilising your Third Pillar B.  Very few people are aware that this option even exists.  Your capped contributions depend on your current situation.  For example, are you single, married or have any children?

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go to link How to Maximise your tax reliefMost of our clients are unaware that there is generally a substantial shortfall in their Second Pillar contributions.  This happens because it is very rare that both the employer and employee contribute the maximum amount.  In order to establish how much you are able to pay back in to your Second Pillar simply contact your HR department and request an up to date pension valuation/statement.  On this document there is a section that states how much can be paid back in to your pension. This amount will also be deducted from your income tax.

see url Before contributing any capital in to your Second Pillar you should seek advice.  You have options available for you here as well.  Most people simply add this amount to their current employers pension but there could be a more effective way of investing this capital.  Also you must keep in mind that this is a pension and not accessible until 64 if you are female and 65 for men.

مراجعة إشارة خيار ثنائي The Third Pillar is a must have for everyone.  However, the Second Pillar buy back will only benefit some as most people require more flexibility in terms of access and contribution levels.  Everyones needs are completely different which is why it is important to speak with your financial advisor first.  If you do not have an advisor you work with currently you can contact us below to find out more information and book your first complimentary meeting.

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