Pension fund buy-in
A voluntary payment into your pension fund to close a gap, deductible from taxable income.
Your pension certificate shows how much you can buy in. Money bought in cannot be withdrawn as a lump sum for three years. The tax saving often makes a buy-in attractive in the years before retirement.
Tools that use it
Related terms
- BVG (pension fund)The second pillar, the occupational pension fund that employees and employers pay into, paid out as a pension, a lump sum or both.
- Marginal tax rateThe tax you pay on your last franc of income, and therefore what you save on each deductible franc.
- Pension certificate (Vorsorgeausweis)The yearly statement from your pension fund showing your balance, credits, projected pension and buy-in potential.
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Tax and insurance
Taxes in early retirement: canton, capital and wealth
What you pay when you live from savings in Switzerland: income, wealth and withdrawal taxes, why your canton matters and which levers are real.