Quels sont mes possibilités de rachats? (simulation) Read more about Quels sont mes possibilités de rachats? (simulation) You can find this information in the online portal. If you no longer have your login details, please contact your relationship manager, who will help you.
What is a voluntary contribution? Read more about What is a voluntary contribution? You can find the information you need at Information bulletin - Information for insured members - Voluntary contributions.
Is it better to make voluntary contributions to my occupational pension or larger contributions to my private pension? How will it affect my taxes? Read more about Is it better to make voluntary contributions to my occupational pension or larger contributions to my private pension? How will it affect my taxes? Both voluntary contributions to your occupational pension and contributions to your private pension are tax-deductible. In 2023, it was possible to deduct up to CHF 7,056 for private pension contributions. If you have an occupational pension plan with AVENA, your maximum voluntary contributions will depend on your personal situation.
What happens if I want to continue working? Read more about What happens if I want to continue working? According to the regulations, your AVS pension can be maintained until your contract is terminated, up until the age of 70 and with the agreement of your employer. Both you and your employer will continue making contributions to your pension.
Why should I make voluntary contributions? Read more about Why should I make voluntary contributions? Voluntary contributions will allow you to obtain maximum retirement benefits under the agreement signed by your employer.
My income has increased by CHF 3,000 per month. Can I make voluntary contributions next year? Read more about My income has increased by CHF 3,000 per month. Can I make voluntary contributions next year? The maximum amount for voluntary contributions will be calculated based on your salary at the time that you decide to pay into your pension. You can use AVENA’s simulation tool to calculate how much you should contribute.
I pledged my retirement savings to purchase a home. Can I still make voluntary contributions? Read more about I pledged my retirement savings to purchase a home. Can I still make voluntary contributions? Even if you have pledged your retirement savings to purchase a home, you can still make voluntary contributions to your occupational pension.
As a cross-border worker, I am subject to a withholding tax. If I make voluntary contributions to my pension, how can I declare these contributions and have them deducted from my income? Read more about As a cross-border worker, I am subject to a withholding tax. If I make voluntary contributions to my pension, how can I declare these contributions and have them deducted from my income? You must submit a certificate of contributions paid (form 21 EDP) prepared by AVENA to the cantonal tax administration.
I only work part-time. What should I do to make sure that I’ve saved enough for my retirement? Read more about I only work part-time. What should I do to make sure that I’ve saved enough for my retirement? You should make voluntary contributions within the limits of your budget and applicable regulations or set up a private pension (Pillar 3).
How can I optimize my occupational pension? Will voluntary contributions lower my taxes? Read more about How can I optimize my occupational pension? Will voluntary contributions lower my taxes? You can make the most of your occupational pension by making voluntary contributions within the applicable laws and regulations. The amount you can contribute is indicated on your annual pension statement. Contact your occupational pension manager to get a contribution simulation and copy of the request form for making a voluntary contribution – the simulation is free, and there are no obligations. Voluntary contributions are tax-deductible.