Staggering plan

The graduated plan minimizes your tax burden

So that you can save as much tax as possible, we plan the capital withdrawals from the 2nd and 3rd pillar for you over several years.

What is meant by the term graduated plan?

In the graduated plan, payouts from Pillar 2 and Pillar 3a are planned in such a way that as little tax as possible is incurred. These lump-sum withdrawals are taxed separately from other income at a reduced rate. The following applies: the higher the payout amount, the higher the special taxes on lump-sum payments.

Is it possible to adjust a graduated plan in the event of changes in personal circumstances, e.g. marriage?

An existing graduated plan can be adjusted at any time. This makes particular sense in the case of marriage, as both spouses are taxed together.

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Michèle Vogel

Senior Consultant Private and Occupational Provision, Financial Planning Advisory, Payroll and Personnel Administration

Swiss Certified Social Insurance Expert