Retirement planning with CONVITA
Are you looking to save for your future, protect yourself financially with a guaranteed lump-sum death and disability benefit and save tax at the same time?
The advantages of CONVITA
Are you looking for an insurance solution for retirement provision that you can always adapt according to your situation in life?
CONVITA provides the ideal solution:
With CONVITA, you are opting for a tied pension solution (pillar 3a) that you can structure in a modular way and adapt flexibly. The CONVITAsave module enables you to invest your money and save for your retirement. With the CONVITArisk module, you insure yourself against the financial consequences of disability and/or death due to illness or accident. The premium waiver module allows you to reach your pension target even if you become unable to undertake gainful activity due to illness or accident.
Whichever module you choose, you will save tax, as you can deduct premiums paid from your taxable income.
I am interested in CONVITA:
Frequently asked questions about CONVITA retirement provision:
-
Can I take out a CONVITA pillar 3a policy for my child?No, you can only take out a pillar 3a policy for yourself.
-
Can anyone take out a CONVITA policy?No, only individuals with income from gainful activity that is subject to AHV/AVS/OASI contributions and who are resident in Switzerland are eligible.
-
What are the statutory requirements for withdrawing the retirement benefits early?
The earliest the retirement benefits can be paid out is five years before the normal AHV/AVS/OASI retirement age. Early withdrawals of pension funds are possible in certain cases that are stipulated by law (in accordance with Article 3 of the ordinance on tax-deductible contributions to recognised forms of retirement provision BVV/OPP 3), for example:
- To purchase residential property for your own use
- To repay mortgage loans
- Upon taking up self-employment
- Upon leaving Switzerland (emigration)
- When making a purchase in a tax-exempt pension fund