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| What is an AHV-Loan-Maximum as mentioned below (my bold) ?
Is the key to this that you have prepaid BVG for all your empoyees ,and yet when you liquidate, say after year one, you only pass on that one year of employee contributions to your employees' new scheme leaving you as the (company owner) beneficiary of the remaining prepaid three years of everyones contributions ? If I understand this correctly then this is great.
Many thanks for this most-excellent information.
dave | |
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MAximum AHV Loan is for 2007 79560. The "koordinationabzug" ie the AHV bit is 23205. Minimum BVG is then paid on the difference. This is described in Art 2,5+7 of BVG.
To your other question. You have a good year and prepay several years BVG. This goes in your company "pot". On Jan 1 of each year it is then paid over to your employees accounts or paid monthly as you wish. Once it is paid into the pot of the accounts it can't be touched. Only you have several years of money paid in and when you liquidate the company you get to collect the pot into your personal pension fund. Simply put once paid in the money can't be taken out and there is no-one else left in the company to pay it to. So you land the jackpot all legitimate and above board. And of course you then have a big fat BVG. All you then need to do is wait five years and retire. Simple really... Of course you do need to get the employees etc first.
The five year wait is a precaution I would take but technically it is not necessary. As soon as you are 58 you put your feet up take capital and bobs your uncle so to speak.
Any more questions about second pillars?