# Pillar 3a - In the future maybe additional payment possible **URL:** \ **Category:** Banks, Insurances & Third Pillar\ **Created:** [June 2, 2020, 8:03pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961 "2020-06-02T20:03:52Z")\ **Posts on this page:** 20\ **Page:** 6
**Author:** ![San\_Francisco](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/ea5d25/32.png) [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)\ **Post date:** [May 25, 2022, 10:59am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/125 "2022-05-25T10:59:39Z")
Why shouldn’t it? I doubt that anyone is going to rally and gather enough signatures against such a limited, rather innocuous change in a voluntary retirement scheme. Edit: would be nice if it came in force this year, with the current bear market we‘re seeing. That said, for me, I‘m currently only about 7000 Francs shy of the statutory maximum amount for my age - so this new law would basically only allow me contributing _one_ additional year (unless my balance takes another hit due to a bear market). There’s even a very real chance that I‘ll surpass them eventually (once the markets are on an upswing again) and I don‘t get to benefit at all from this. ---
**Author:** ![anon95353169](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/a/858c86/32.png) [@anon95353169](https://forum.mustachianpost.com/u/anon95353169)\ **Post date:** [May 25, 2022, 11:12am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/126 "2022-05-25T11:12:04Z")
> [@yetanothername](#): > > According to the article here the earliest probable year is 2024. Thanks! And more characters as well. ---
**Author:** ![jay](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/ed8c4c/32.png) [@jay](https://forum.mustachianpost.com/u/jay)\ **Post date:** [May 25, 2022, 11:26am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/128 "2022-05-25T11:26:13Z")
> [@Patron](#): > > And if it comes to a voting we need to look at the numbers - only around 50% pays 3a and only around 50% of them pay it in full, so only 25% would even have potentially the ability to pay more. The other 75% already struggle to pay 3a/pay it in full. Why would they vote that the other 25% can save more taxes? One consideration is that the 25-50% not (fully) contributing to 3a might be dominated by younger people. If they can catch up when they earn more as their career progresses, it can actually benefit at least some of these people as well, just not right now. That said, I would definitely not be surprised by a referendum. It seems likely that this requires a change in law, not just a decree. And the SP will likely collect signatures for this. However, too early to estimate the result of a potential vote, in my opinion. ---
**Author:** ![boschika](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/aeb1de/32.png) [@boschika](https://forum.mustachianpost.com/u/boschika)\ **Post date:** [August 4, 2023, 8:47pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/129 "2023-08-04T20:47:52Z")
Say you’re broke this year or your marginal tax rate is much lower than what you anticipate for next year and pay 0 into your third pillar, in 2024 do you get that year’s limit + the unused 2023 amount for a total of around 14k? Or is it rather a “use it or lose it” situation? ---
**Author:** ![kawansky](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/kawansky/32/12982_2.png) [@kawansky](https://forum.mustachianpost.com/u/kawansky)\ **Post date:** [August 4, 2023, 8:56pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/130 "2023-08-04T20:56:45Z")
The contribution is annual and non-cumulative. In this sense, no catch-up effect is possible. ---
**Author:** ![boschika](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/aeb1de/32.png) [@boschika](https://forum.mustachianpost.com/u/boschika)\ **Post date:** [August 4, 2023, 9:04pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/131 "2023-08-04T21:04:05Z")
Thank you 20 chars limit is fun ---
**Author:** ![Neville](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/neville/32/7389_2.png) [@Neville](https://forum.mustachianpost.com/u/Neville)\ **Post date:** [August 5, 2023, 5:43am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/133 "2023-08-05T05:43:30Z")
I thought they had agreed to introduce the new system? Now it’ll only take a few years to be actually implemented. ---
**Author:** ![San\_Francisco](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/ea5d25/32.png) [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)\ **Post date:** [August 5, 2023, 9:18am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/135 "2023-08-05T09:18:38Z")
I recalculated my maximum buy-in again, and it likely would be just about CHF 2’000 at the moment. 🥲 Even though I did not start at 25 and had my 3a funds in plain interest-bearing accounts or more expensive fonds for a couple of years. ---
**Author:** ![xerox5003](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/xerox5003/32/12385_2.png) [@xerox5003](https://forum.mustachianpost.com/u/xerox5003)\ **Post date:** [August 5, 2023, 4:26pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/136 "2023-08-05T16:26:54Z")
They have discussed it several times and it always got declined. One of the reason is, that only the ones with higher incomes will benefit from that. There must be a solution, where everyone can benefit. So, contribute your maximum and don’t hope to be able to contribute voluntarily with higher amounts. ---
**Author:** ![xmj](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/xmj/32/9471_2.png) [@xmj](https://forum.mustachianpost.com/u/xmj)\ **Post date:** [August 5, 2023, 4:53pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/138 "2023-08-05T16:53:36Z")
Please ask your local politicians about it if you can. > [@3rd pilar - Limits to 15000 CHF](https://forum.mustachianpost.com/t/3rd-pilar-limits-to-15000-chf/9491/14): > > So I just wrote a mail to one of the national assembly members co-signing the initiative (that, curiously, I have a number of linkedin acquaintances with), asking him what it’d need to drive those two motions/initiaties forward. Let’s see how that goes. EDIT: Replied within ten minutes, ha! 19.3702 / purchase into 3a is, supposedly, waiting on action of the Federal Council / Federal Department of Home Affairs. The FDP parliamentary group already decided to follow up and ask about this at the n… ---
**Author:** ![Luk\_nuts](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/luk_nuts/32/9302_2.png) [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)\ **Post date:** [August 7, 2023, 7:47am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/139 "2023-08-07T07:47:44Z")
That’s nice man! I’ll be at a grand total of 0 CHF, even though I never invested the 3a capital till I was 30. 🙂 ---
**Author:** ![yetanothername](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/y/f4b2a3/32.png) [@yetanothername](https://forum.mustachianpost.com/u/yetanothername)\ **Post date:** [August 7, 2023, 2:27pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/140 "2023-08-07T14:27:51Z")
> [@Luk\_nuts](#): > > I’ll be at a grand total of 0 CHF, even though I never invested the 3a capital till I was 30. 🙂 Did you go with 100% shares from the start? And for how many years have you been contributing? My gap is around 45k. Maybe with a bull run I’ll be able to buy in the maximum. Some people with lots of shares in 3a might be able to take advantage of it when there’s a huge drop in value… Timing the market would be good for once 😀 ---
**Author:** ![Luk\_nuts](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/luk_nuts/32/9302_2.png) [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)\ **Post date:** [August 7, 2023, 3:47pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/141 "2023-08-07T15:47:39Z")
> [@yetanothername](#): > > Did you go with 100% shares from the start? No, I started at 20y old and since the age of 22, I maxed it out every year till today. So by my math, I’ll easily be over the limit. ---
**Author:** ![San\_Francisco](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/s/ea5d25/32.png) [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)\ **Post date:** [August 7, 2023, 9:51pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/142 "2023-08-07T21:51:17Z")
> [@yetanothername](#): > > Some people with lots of shares in 3a might be able to take advantage of it when there’s a huge drop in value Then again, I’d rather do without the “huge drop” to begin with. > [@yetanothername](#): > > Timing the market would be good for once It has already been. Sold almost all of my largest portfolio at the red dot and rebought at the green: ![fp](https://forum.mustachianpost.com/uploads/default/original/2X/0/074e1e87c18fd6d9259db78547ea9f6dc08a4214.jpeg) As much as I want to congratulate myself, I’m not foolish enough to press my luck any further, let alone believe it’s repeatable skill. ---
**Author:** ![yetanothername](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/y/f4b2a3/32.png) [@yetanothername](https://forum.mustachianpost.com/u/yetanothername)\ **Post date:** [August 8, 2023, 6:37am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/143 "2023-08-08T06:37:30Z")
> [@San\_Francisco](#): > > Then again, I’d rather do without the “huge drop” to begin with. There’s a Rational Reminder episode called “Praying for a bear market”. As long as you are in your accumulative phase, it’s in one’s interest to have low valuations. [![](https://forum.mustachianpost.com/uploads/default/original/2X/2/2e61dcf564935adb7b02582ac052d06a70d767f3.jpeg "RR #108 - Dr. William Bernstein: Praying for a Bear Market") ](https://www.youtube.com/watch?v=haLGx8KlFvk) > [@San\_Francisco](#): > > let alone believe it’s repeatable skill. Agree. Did that once, was lucky. Never again. ---
**Author:** ![Barto](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/e9c0ed/32.png) [@Barto](https://forum.mustachianpost.com/u/Barto)\ **Post date:** [August 8, 2023, 8:43am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/144 "2023-08-08T08:43:44Z")
> [@San\_Francisco](#): > > In other words, your potential contribution is > maximum 3a benefits according to BSV table\* > less 3a balance you already have > capped at 34k something Francs (regularly adjusted) > > - which are calculated assuming that you‘ve made the maximum yearly inpayments for people with pension fund coverage every year. Would someone kindly be able to post the link to the relevant site showing the BSV table? dumb-ass here was incapable to find it ---
**Author:** ![jay](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/ed8c4c/32.png) [@jay](https://forum.mustachianpost.com/u/jay)\ **Post date:** [August 8, 2023, 8:50am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/145 "2023-08-08T08:50:26Z")
> [@Barto](#): > > Would someone kindly be able to post the link to the relevant site showing the BSV table? > **[Capital3epilier\_d\_2024.pdf](https://www.bsv.admin.ch/dam/bsv/de/dokumente/bv/anleitungen/tabelle-berechnung-3a-guthaben-version2022.pdf.download.pdf/Capital3epilier_d_2024.pdf)** > > 139.34 KB “Tabelle zur Berechnung des grösstmöglichen 3a-Guthaben” ---
**Author:** ![Barto](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/b/e9c0ed/32.png) [@Barto](https://forum.mustachianpost.com/u/Barto)\ **Post date:** [August 8, 2023, 11:00am UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/146 "2023-08-08T11:00:53Z")
> [@San\_Francisco](#): > > I recalculated my maximum buy-in again, and it likely would be just about CHF 2’000 at the moment. 🥲 But at least you would have a partial hedge. Right (?) If there is a crash and equities in your 3a decline by 30k, it would mean you could top up by this amount and deduct if from your taxable income If you are investing for the long term you would expect equity prices to recover afterwards ---
**Author:** ![nkbhnomfcmmwxdlula](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/n/df788c/32.png) [@nkbhnomfcmmwxdlula](https://forum.mustachianpost.com/u/nkbhnomfcmmwxdlula)\ **Post date:** [November 21, 2023, 4:16pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/147 "2023-11-21T16:16:44Z")
Haven’t contributed to 3a for the past 5 years. Can I make retroactive payments and qualify for the tax reduction? ---
**Author:** ![nabalzbhf](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nabalzbhf/32/3277_2.png) [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)\ **Post date:** [November 21, 2023, 4:17pm UTC](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961/148 "2023-11-21T16:17:09Z")
Currently not, there might be a possibility if the law changes though. [Previous page](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961.md?page=5) [Next page](https://forum.mustachianpost.com/t/pillar-3a-in-the-future-maybe-additional-payment-possible/3961.md?page=7)