Purchases

By purchasing additional pension fund benefits, you can increase your savings capital in the pension fund and enjoy the following advantages:

• Better retirement benefits: with additional purchases, you can close any gaps in your pension and boost your retirement benefits.

• Attractive interest rate: your capital is invested while it is held in the pension fund, meaning it earns interest.

• Tax savings: You can deduct your additional purchases from your taxable income. What’s more, you don’t pay any wealth tax on your capital in the pension fund.

Good to know

• Have you withdrawn savings capital to finance residential property? If so, you can only make additional purchases again once you have repaid the advance withdrawal in full.

• Any benefits resulting from a purchase may not be withdrawn as capital during a vesting period of three years.

• In the event of your death, we will pay out your additional purchases to your surviving dependants in addition to the death benefit capital.

What you need to do next

• Check your latest pension certificate to see the amount you can purchase.

• You can request the amount you want to purchase using the “Purchase declaration” form or in Connect under “Requests: Purchase”.

• We will send you the calculation of the maximum possible purchase and the account details so that you can transfer your chosen amount.

We’re here to help

• Call us: direct line shown on your pension certificate or +41 58 585 33 00

• E-mail us: service@gemini.ch