Vorsorgeberatung in Basel: Säule 3a, Pensionskasse und WEF – CK Solutions AG

Plan today. Benefit tomorrow.

Pension planning is personal. Income, family circumstances, existing pension fund benefits, home ownership and individual goals all influence which solution is appropriate. For this reason, our advice begins with an analysis of your personal situation rather than with a specific product.

We explain the options available within private and occupational pension planning in a clear and understandable way. In addition to security and flexibility, we consider costs, return potential and tax implications. The result is a solution designed to fit your current circumstances and objectives.

• Säule 3a & 3b
• Pensionskasse
• Wohneigentum & WEF

Pillar 3a & 3b

Private pension solutions complement the benefits provided by the Swiss state pension system (AHV/AVS) and occupational pension fund and allow you to build additional financial security. Depending on your circumstances, different solutions within the tied pillar 3a and flexible pillar 3b may be suitable.

We analyse your existing pension arrangements and discuss your objectives with you. We then present suitable options, taking into account bank, investment and insurance-based solutions and their different characteristics.

With pillar 3a, the tax benefits are an important consideration alongside long-term wealth accumulation. Flexibility, costs, investment horizon and personal risk tolerance should also be taken into account.

Insurance-based solutions may additionally provide protection against specific risks. We explain the differences transparently so that you can understand which solution fits your needs and what commitments are involved.

Pension Fund

For many employees, the occupational pension fund is a central component of their financial security. Nevertheless, pension fund statements can be difficult to understand. Benefits, insured salary, retirement assets, potential voluntary purchases and risk benefits should therefore be assessed in the context of your overall financial situation.

We analyse your pension fund statement and explain the key figures in a clear and understandable way. This allows us to identify the benefits already available and any potential gaps.

Voluntary pension fund purchases are another important topic. Such purchases can strengthen your pension position while also offering tax advantages. Whether a purchase is appropriate, and in what amount, depends on several factors and should not be decided solely on the basis of the potential tax saving.

We therefore consider the pension impact, tax consequences and your broader financial situation together, and where appropriate also coordinate this with pillar 3a.

Home Ownership & Pension Assets

Under the Swiss home ownership promotion scheme (WEF), pension assets may be used to finance owner-occupied residential property. Depending on the applicable requirements, this can include an early withdrawal or a pledge of assets from the occupational pension fund and pillar 3a.

The two approaches have different consequences. An early withdrawal reduces the capital held within the pension system and may affect future pension benefits. The amount withdrawn is also subject to a separate tax. With a pledge, the pension assets generally remain invested within the pension arrangement, while the financing structure and affordability may be affected differently.

We explain the differences between an early withdrawal and a pledge and outline the financial, pension-related and tax consequences. Existing or previous WEF withdrawals and possible repayments can also be included in the analysis.

Our aim is to consider home ownership, financing, pension assets and taxation together rather than in isolation, and to make the interaction between these areas clear and understandable.

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Hypothekenberatung in Basel – CK Solutions AG

Mortgages

Do you dream of owning a house or a condominium? CK Solutions AG supports you in making this dream come true.

Selling Property in Basel & Baselland

CK Solutions AG is your reliable partner for marketing your property from A to Z. We evaluate your property, look after the prospective buyers and are there for you until the closing and during the handover phases. We assist you with your tax questions, with the investment of your sales proceeds and with the search for a new property.