Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Thread Tools Display Modes
Old 15.05.2015, 13:33
Join Date: Jan 2014
Location: Sion
Posts: 5
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
SwissMr_81 has no particular reputation at present
"13th salary" and the 2nd Pillar

Let's say I'm a small business owner and pay each of my workers a fixed annual salary and, at the end of the year, a discretionary bonus based on personal/company performance. Also for the sake of simplicity, let's say I have the bare-minimum 2nd pillar pension coverage - only "insuring" up to 80K.

If I have an employee making 80K in salary, and I give him a 20K bonus - Ideally I would offer either to pay his bonus in cash via payroll, or allow him to take it via pension contribution (more tax-efficient), or some combination of both.

My question is - Will AXA or SwissLife or whomever allow arrangements such as these in the 2nd pillar? Are there flexible schemes that allow ad-hoc contributions on an annual basis? Do those terms have to be arranged specifically, or is as simple as making an additional contribution?

Thanks much!
Reply With Quote
Old 15.05.2015, 14:19
Forum Veteran
Join Date: Oct 2014
Location: Lausanne
Posts: 859
Groaned at 11 Times in 9 Posts
Thanked 378 Times in 266 Posts
Tinkiwinki has earned some respectTinkiwinki has earned some respect
Re: "13th salary" and the 2nd Pillar

it depends on the scheme you have with AxA or others. If it is the bare minimum I expect that this is not possible. Talk with them to have better possibilities meaning upgrading your 2nd pillar.

If you are paying a bonus you may have an internal policy saying this bonus will not be subjected to 2nd pillar. not sure this is what you are looking for.

The employee may pay more in to the 2nd pillar if the scheme allows it as there may be a maximum. As said depends on the scheme.
Reply With Quote

2nd pillar pension, bonus

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
2nd "Meet the Brewer" @ The International Beer Bar grumpygrapefruit Commercial events 2 09.03.2015 14:34
Does 2nd Pillar "Prime de Risque" count towards income for US tax purposes? kmdouglass Finance/banking/taxation 7 14.05.2014 13:48

All times are GMT +2. The time now is 03:48.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0