I thought they had agreed to introduce the new system?
Now it’ll only take a few years to be actually implemented.
You’re right! I don’t know when the decree will be ready.
https://www.parlament.ch/de/ratsbetrieb/suche-curia-vista/geschaeft?AffairId=20193702
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.
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.
There were two motions. I think it’s the other one that got declined, the one with a higher yearly amount. But on the link I shared it says both houses accepted it (allowing a buy back every 5 years up to the limit for independent workers).
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Please ask your local politicians about it if you can.
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. 
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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 
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.
Then again, I’d rather do without the “huge drop” to begin with.
It has already been. Sold almost all of my largest portfolio at the red dot and rebought at the green:
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.
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.
Agree. Did that once, was lucky. Never again.
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
“Tabelle zur Berechnung des grösstmöglichen 3a-Guthaben”
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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
Haven’t contributed to 3a for the past 5 years.
Can I make retroactive payments and qualify for the tax reduction?
Currently not, there might be a possibility if the law changes though.
You still have time to pay for 2023
Which Pillar 3a is the cheapest way (lowest TER, including FX and transaction fees) to invest all my money in SP500?
I’ve also heard that US no longer withholds the 15% tax on dividends for shares held in 3a, right?
Finpension would be the cheapest, though I don’t understand the apparent sudden lust for the S&P500 we are seeing on this board. US funds have one of the best tax treatment possible for Swiss investors: low dividends and fully recoverable witholding taxes if held through a US domiciled fund (given your regular taxes outweigh the tax savings and you fill the right paperwork). They are best held outside of tax advantaged accounts (that is, there are other funds that would benefit more from it).
Why US stocks specifically?
Thank you, I will go with Finpension.