I’ve opened last year a 3a for my wife who is not currently housewife with no income and our Kanton refused it. I don’t understand, I though you could fill up you 3a without condition up the the maximum limit (with higher limit if you are independent).
Firstly it’s extremely detrimental for couple that live with one income, you can deduce much less on your taxes (3a and other deductions not even related to work expense of course), not like it’s already hard enough to support a family with one salary.
Secondly, the wife cannot easily put money on the side for retirement, or yes but she had to do a trading account and (usually) it cost more in fee than a 3a like Finpension. And it will push couple to fill up the 3a of the one working, leaving even less money to the partner in case of divorce (hopefully we will not have this situation but I guess it could happen a lot of time). Or 3a are split in case of divorce? In in case of death of the one with 3a, is it going 50% to the partner and 50% to kids?
Now I don’t know what’s next, fortunately we couldn’t put much last year in 3a but I would have put all in mine if I would know that, now I guess it’s too late and our taxes will increase on what planned. Then I have continue to send money to it with year, again not sure if I can get it back to put on my 3a and I’ll open a trading account for my wife for her part then, but we will be forced to fill up my 3a first, because of taxes.
If the account will be convert to 3b, it will really be a waste of money…