Thanks, that helps too

I think I will open a 3a account and make a deposit. I do not want to send in the full tax forms, as I have read they can claim more after doing the calculations rather than give you a refund.

I would however like to do as you say, just sent in proof of payment into a 3a pillar. I am worried though about the following. Apparently, we need to send in a copy of the annual salary statement? I get one allowance tax free, which would be listed on this statement, right? now would this be a problem? That they change their mind about the allowance being tax free? Again, I would not fill in a proper tax return form, just send in the proof of 3a payments and the salary form...