Optimisations

Explore ways to improve your pension outlook.

Pension Optimisations

Toggle optimisations to see their impact on your pension outlook. Click "More info" for detailed explanations.

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Close AHV Gaps

Fill missing AHV contribution years to maximize your first pillar pension. Each gap year reduces your AHV pension by approximately 2.3%.

PK Purchase (2nd Pillar Buy-in)

Make voluntary contributions to your occupational pension fund. This is tax-deductible and increases your retirement capital.

Invest in 3rd Pillar

Start or increase your Pillar 3a contributions. Annual contributions are tax-deductible up to the maximum allowed amount.

Reinvest Tax Savings

Switch your 3rd pillar from a savings account to an investment solution for potentially higher returns over the long term.

Staggered Withdrawal

Stagger your pension capital withdrawals (3a + PK) across multiple years to break the progressive capital withdrawal tax.

Optimisation features are available after you complete all 5 steps of the pension questionnaire.

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