Can you elaborate on the marginal tax rate?
I’m in the same situation (I can contribute 8, 9.25 or 12.25%, my employer 13.2% in any case) and wondering if the less contribution is not better but can’t wrap my head around it…
Here is how I estimate my Marginal tax rate:
- Go to Comparis ch tax calculator and enter your approx income - does not need to be precise. Write down the tax. Example 100k income and 20k taxes
- Repeat but enter your salary reduced by 1k CHF. Example 99k income and 19.6k taxes
The marginal tax rate in the example is 40% (=400/1000). Every 1000 CHF contributed to 2nd pillar would result in approx 400 CHF less taxes paid in that year.
Remember, taxes are payable when you take out the 2nd pillar. In Switzerland a reduced rate is applied. If you are resident of another country at the time you may have to pay taxes there.
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The tax tables are available.
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This is only for the federal income tax. It’s a very incomplete picture.
A more comprehensive table is here:
If you want it more accurate, you need to calculate yourself. Or maybe someone has a tax calculator that does the calculation for you.
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Ah indeed I’m on mobile so harder to check. I’m fairly sure theres an estv doc with a summary for all cantons as well (but yes that one is only federal).
They haven’t “give” it to you, but credited to your account that they manage anyway.
But they are not businesses 
! Or, let’s say, depending what pension fund you have, their goal is not exactly to earn performance fees by taking investment risks with your money.
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What does it change? I FIRE tomorrow and take it with me…
It’s not the point how you call them. Fact, that their accumulated profit/losses are not distributed outright. More thinking what estimate I should put to my future NW growth in respective to 2nd pillar. Cap it to 1% which is mandatory, right?
You can count it with 1% or with a historical yield credited to pension accounts, not the portfolio yield.
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What I do is use the tax software used for filling taxes from the previous year (or even this years) and play with the numbers. That way I get pretty much the exact amount (assuming all my deductions are valid as they have always been so far).
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That’s your own fault for not having 10 kids and getting your money’s worth! 
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