AVS/LPP/3a audit
Pull your AVS extract (compenswiss.ch), pension fund certificate showing buy-in capacity, total your 3a accounts. Single 3a vs multi-account stagger can reduce tax at withdrawal, depending on your canton and the amounts.
LPP buy-ins
If LPP certificate shows CHF 100,000 buy-in capacity, paying CHF 100,000 is fully deductible. At 35% marginal tax = CHF 35,000 saved. Spread over 5-10 years. 3-year lock-in.
3a saturation
Max out 3a yearly. Open 3 staggered accounts to spread retirement withdrawals across tax brackets. Use 3a funds (Pictet, Swisscanto) at 3-6%/year, not bank savings at 0.1%.
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