Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #41  
Old 27.11.2017, 10:12
Mullhollander's Avatar
Forum Legend
 
Join Date: Dec 2012
Location: Aargau
Posts: 2,519
Groaned at 10 Times in 9 Posts
Thanked 3,466 Times in 1,539 Posts
Mullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond reputeMullhollander has a reputation beyond repute
Re: Second Pillar Inheritance?

Is WG a sum of WO and WR?

** Sorta but WO, which is primarily a savings vehicle, also contains risk elements for widow/er and children and to build/ maintain a reserve for long-life (Rückstellung für Langlebigkeit) due to the legally-required but non-actuarial 6.8% Umwandlungssatz.

** Comment: the Auffangeinrichtung BVG pension plans with high risk contributions probably result from unfavorable populations, e.g., older, in the plans.

The risk contribution percentage value - it is a percentage of what? Of future benefit?

** Risk contribution is a percentage of the coordination-wage (insured wage).
- For WR, it is a percentage of the unemployment compensation adjusted for the coordination reduction (CHF 24'675).

Can one pay just the "insurance" part, without adding more to the saving part? I imagine that would be the most affordable way for an older unemployed person.

** Yes, WR offers this but the insured person needs to be receiving the RAV/ ALV daily allowance to be eligible. The unemployed person would no longer be eligible for WR when the RAV/ALV unemployment compensation runs out.

WR Reglement and Appendix:

http://www.chaeis.net/fileadmin/CHAE...gl_2017_WR.pdf

http://www.chaeis.net/fileadmin/CHAE..._WR_Anhang.pdf

This document outlines the general requirements, which needs to be read with the two WR documents:

http://www.chaeis.net/fileadmin/CHAE...ungen_2017.pdf

Last edited by Mullhollander; 27.11.2017 at 10:25.
Reply With Quote
This user would like to thank Mullhollander for this useful post:
  #42  
Old 27.11.2017, 10:56
Mica's Avatar
Forum Veteran
 
Join Date: Oct 2007
Location: Zurich
Posts: 828
Groaned at 1 Time in 1 Post
Thanked 1,063 Times in 470 Posts
Mica has a reputation beyond reputeMica has a reputation beyond reputeMica has a reputation beyond reputeMica has a reputation beyond reputeMica has a reputation beyond repute
Re: Second Pillar Inheritance?

I've just had a look into the "Reglement" of my BVG Stiftung. A defined portion is available as Todesfallkapital which can be inherited. In addition, all voluntary contributions ("Einkaufssummen") can also be inherited.

So ultimately you need to look at the Reglement of your BVG Stiftung, in particular if you want to make voluntary contributions into your pension (this also makes sense when you are switching jobs to see how your future pension will be affected!)
Reply With Quote
This user would like to thank Mica for this useful post:
Reply

Tags
second pillar




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
Pension Second Pillar contributions Guest Finance/banking/taxation 51 06.01.2015 12:50
job change - second pillar? happyrobbie Employment 2 20.08.2012 16:16
Second Pillar- what to do maplesyrup Leaving Switzerland 1 29.07.2012 10:35
Company BVG Second Pillar Contribution Dack Rambo Finance/banking/taxation 5 27.03.2012 12:30
Where to deposit the Second pillar? barps Insurance 13 01.11.2011 22:46


All times are GMT +2. The time now is 04:14.


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