Voluntary purchases of pension benefits allow you to make up missing contribution years or offset gaps in cover caused by salary increases. This will increase your retirement benefits at retirement, allow you to benefit from attractive long-term interest, and enable you to save taxes at the same time.
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Ordinary purchases
You can make purchases only if there are coverage gaps The provisional possible purchase amount is shown on your insurance certificate below the line “maximum possible purchase”.
Important
- If you are planning to retire within the next few years and are considering a full or partial lump-sum withdrawal, you must bear in mind the three-year blocking period imposed following the voluntary purchase. Please contact the relevant tax authority.
- In the case of persons who have relocated from abroad and never belonged to a pension fund in Switzerland, during the first five years the annual buy-in may not exceed 20% of the insured salary.
Procedure
Make your purchase via myAsga
- Log in to the myAsga insurance portal. Don’t have a login yet? Register now at www.asga.ch/myasga.
- Follow the instructions under “Calculations/Purchase” and submit your purchase directly online.
- You will then receive a personalised payment slip, which you can use for the purchase.
- You decide whether and how much of your available purchase potential you wish to pay in (minimum CHF 1,000.00).
- After making a payment, you will receive a new insurance certificate.
- At the beginning of the following year, you will receive a tax certificate for your purchase.
Procedure
Would you prefer to make your purchase without myAsga?
- Complete the Questionnaire for Calculating the Maximum Possible Purchase amount and send it to us at hc.agsa@etrehcisrev or by post.
- We will determine your effective purchase potential as quickly as possible and provide you with the calculation including a payment slip.
- You decide whether and how much of your available purchase potential you wish to pay in (minimum CHF 1,000.00).
- When you have made a payment, you will receive a new insurance certificate.
- At the beginning of the following year, you will receive a tax certificate for your purchase.
Taking early retirement
Your purchase potential has been exhausted, but you still plan to take early retirement. Your objective is to receive the same pension as in the case of ordinary retirement. By purchasing additional benefits to finance early retirement, you can close gaps in cover that this option creates. However, such a purchase is not possible in every case. Whether a purchase is an option for you and what needs to be considered is explained in our information sheet.
Important
If you are planning to retire in the coming years and are considering a full or partial lump-sum withdrawal, you must observe the three-year blocking period following a voluntary purchase. Please contact the relevant tax authority.
Procedure
- Complete the Questionnaire for Calculating the Maximum Possible Purchase amount, and send it to us at hc.agsa@etrehcisrev or by post. Important: Please let us know the date on which your early retirement is planned.
- We will determine your effective purchase potential and send you the calculation together with a payment slip.
- You decide whether and how much of your available purchase potential you wish to pay in
- After making a payment, you will receive an updated insurance certificate.
- At the beginning of the following year, we will send you a tax certificate for your purchase.
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