Do not miss the payments into second pillar and pillar 3a for 2019!

Make the payment into your pillar 3a and provide for an individual and flexible future. At the same time, you benefit from lower taxes as it reduces your taxable income.


The amount of the annual deposit is chosen individually and can be made as long as you are gainfully employed. Even if you keep several retirement accounts, the sum of all payments may not exceed the maximum amount. The following maximum amounts apply for 2019:


Maximum pillar 3a contribution*

Employed with a pension fund                CHF 6’826
Employed without a pension fund           max. CHF 34’128 (up to 20% of net income)


*The accumulated pillar 3a and pension fund savings and the income on them are exempt from income and wealth taxes.


Second pillar (pension fund) voluntary contribution

Check with us your opportunities of additional contributions (so-called purchases) into your second pillar (pension fund). These purchases are fully tax deductible (i.e. deductible from the taxable income). We would be pleased to advice you on your individual options.


Our practical tip for you

Place the payment order latest by the end of November 2019. Only the amounts payed in the calendar year 2019 can be deducted from the tax return 2019. Take the opportunity!


For an individual solution or any further information, please contact Cornelia Hager, head of Tax department for private clients.


Cornelia Hager 4 November 2019