Tax savings by staggering the payments from pillar 3a and the pension fund

The payment of pension capital from pillar 3a and the pension fund is subject to a so-called capital payment tax, which, like income tax, is subject to a progression. In the vast majority of cases, the tax savings from staggering pillar 3a and pension fund payments are considerable. It is possible to open several pillar 3a accounts / custody accounts in order to draw them at a later date in different tax periods and separately from the pension fund capital. Pension capital (2nd pillar and pillar 3a) that are paid out in the same years are counted together. Accounts or deposits in pillar 3a can only be drawn in full. In a few cantons, there are exceptions to the payment of pension capital.

Pay off mortgage indirectly

With indirect amortization, the amount of the mortgage always remains the same. The repayment is made via a pillar 3a account pledged to the bank, to which the repayments are paid. In this way, you benefit on the one hand from the high deduction options for mortgage interest and on the other hand from the deduction options by paying into the pillar 3a account. This saving option is particularly advantageous for taxpayers who do not make voluntary payments to the Pillar 3a account!