Three pillars, one concrete check for each.

Practical information and personal views to guide your next checks.

1st pillar · AHV/AVS

Close contribution gaps

Request your Individual Account statement (IK/CI). It shows missing or partial contribution years. Back-payments are generally only possible for five years. One missing year can reduce your pension by at least 2.3% for life.

2nd pillar · occupational pension

Voluntary buy-ins

Buy-ins can increase retirement benefits and reduce taxable income. Review your overall tax situation, withdrawal restrictions and pension-fund benefits before deciding.

3rd pillar · 3a

Tax savings and investing

Pillar 3a is a strong way to save on taxes and invest for the long term. Providers such as True Wealth offer a 3a solution with a 0% management fee; product costs and some specific charges may still apply. Always check the latest terms.