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.
Voluntary contributions will allow you to obtain maximum retirement benefits under the agreement signed by your employer.
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.
Even if you have pledged your retirement savings to purchase a home, you can still make voluntary contributions to your occupational pension.
You must submit a certificate of contributions paid (form 21 EDP) prepared by AVENA to the cantonal tax administration.
You should make voluntary contributions within the limits of your budget and applicable regulations or set up a private pension (Pillar 3).
Once you reach retirement age, the voluntary contributions you have made will increase the monthly pensions paid out to you or, if you die, your surviving spouse. If you die before retirement, your voluntary contributions will be returned in the form of a lump-sum death benefit, minus any early withdrawals to purchase a home or carry out renovations to maintain or increase the value of your home.
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.
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.
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.
