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Old 03.06.2008, 12:45
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galinas galinas is offline
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Re: Pensions - how much are they really worth

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Assuming that you started contributing late to the Swiss pension fund, then you still have the option of buying in the missing years - the pension statement should also indicate this. You should do this as early as possible because the earlier you do so the cheaper it is -- the time factor again. These additional contributions come of your gross salary, so you also get a tax break. Assuming an effective tax rate of 20%, as CHF20,000 contribution will actually cost you CHF16,000 and so on.
How can one buy missing years? Does this correlate/ overlap with the voluntary 2nd pillar contribution and opening a Freizugigkeitskonto? And if one is taxed at source, can the missing years purchase be claimed as a deduction from Quellensteuer when a Korrektur is filed?

I assume that when one leaves Switzerland for good, these "missing years" get returned, as the mandatory 2nd pillar does. Is that right?

Thanks in advance!

Last edited by galinas; 03.06.2008 at 13:40.
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