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| 3a
Pre-tax assets (max CHF 6.5k pa) can be put into a plain-vanilla savings account Presently (1st Dec 2009) best rate is 2.75%. No risk upto CHF 100k. Or the assets can be put into various fund-plans that invest in stocks, bonds, etc. Then, of course, you are exposed to market risks. My emphatic advice: stick to plain vanilla! Where else do you get zero-risk tax-free 2.75%?
3b
Post-tax assets can be used unlimited to buy life-insurance linked products. There is no tax-deduction because tax has already been paid! The assets are wealth taxed. The yield is tax free if held for minimum 5 or 10 yeras (depending on product). | |
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You are right regarding 3a and 3b. But there is a small exception for 3b:
- if you live in canton Geneva or Fribourg you can deduct up to 750chf for a single person and 1500CHF for a married couple.