Is it worth backfilling my first and second pillars?

[hanem]

AXA got back to me.

I first asked if I can backfill and pledge.

They might’ve translated to german from english and got only a partial answer.

Anyone who pledges the pension fund assets instead of withdrawing them can continue to make voluntary purchases into the pension fund. Please be awart that in the first 5 years after moving from abroad to Switzerland the purchases are limited to 20% of the insured salary per year . After an advance withdrawal, voluntary purchases are only possible again once the advance withdrawal has been fully paid back into the pension fund.

This is inline with what you guys suggested of insured salary. I guess stock compensation and bonuses usually are not a part of the insured salary.

I pressed on to clarify that I wanted to backfill then pledge.

Yes, pledging the retirement assets and purchase before or after is not problem. You can do the purchase and claim the tax advantage and still pledge the amount. And you can do further purchase after.

With a withdrawal further purchase are not allowed; only after the withdrawal is paid back in full.