Versicherte:

Einkauf

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<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M14.5 13H7M14.5 13C17.3284 13 18.7426 13 19.6213 12.1213C20.5 11.2426 20.5 9.82843 20.5 7M14.5 13V1.75M7 13C4.17157 13 2.75736 13 1.87868 12.1213C1 11.2426 1 9.82843 1 7H7M7 13L7 1.75M20.5 7C20.5 4.17157 20.5 2.75736 19.6213 1.87868C18.7426 1 17.3284 1 14.5 1H7C4.17157 1 2.75736 1 1.87868 1.87868M20.5 7H14.5M28.6213 19.8787C27.7426 19 26.3284 19 23.5 19H19C16.1716 19 14.7574 19 13.8787 19.8787C13 20.7574 13 22.1716 13 25C13 27.8284 13 29.2426 13.8787 30.1213C14.7574 31 16.1716 31 19 31H23.5C26.3284 31 27.7426 31 28.6213 30.1213C29.5 29.2426 29.5 27.8284 29.5 25H24.25M18.25 19.75V31M24.25 19.75V31M14.5 25H18.25M29.5 14.5V13C29.5 11.6022 29.5 9.40326 29.2716 8.85195C28.9672 8.11687 28.3831 7.53284 27.6481 7.22836C27.0967 7 26.3978 7 25 7M29.5 14.5L31 13M29.5 14.5L28 13M2.5 17.5V19C2.5 20.3978 2.5 22.5967 2.72836 23.1481C3.03284 23.8831 3.61687 24.4672 4.35195 24.7716C4.90326 25 5.60218 25 7 25M2.5 17.5L1 19M2.5 17.5L4 19" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </svg>

Übertragung Vorsorgeguthaben

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Vorsorgeausweis

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Verzinsung Altersguthaben

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Einkauf

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Wohneigentumsförderung

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Lebenspartnerschaft

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Steuern

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Scheidung

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Arbeitsunfähigkeit

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12.9263 0.0844969 12.9284C0.084032 12.9295 0.0836315 12.9304 0.0832953 12.9312C0.0831273 12.9316 0.0829753 12.9319 0.0828395 12.9322C0.0827717 12.9324 0.0826818 12.9326 0.0826479 12.9327C0.0825621 12.9329 0.0824804 12.9331 1 13.3307C1.91752 13.7284 1.91745 13.7286 1.91738 13.7288C1.91736 13.7288 1.91729 13.729 1.91726 13.729C1.91718 13.7292 1.91713 13.7293 1.91708 13.7294C1.917 13.7296 1.91698 13.7297 1.91702 13.7296C1.9171 13.7294 1.91742 13.7287 1.91799 13.7274C1.91913 13.7248 1.92125 13.72 1.92434 13.7131C1.93052 13.6994 1.94057 13.6772 1.95442 13.6475C1.98212 13.588 2.02493 13.4984 2.08224 13.385C2.19711 13.1576 2.36891 12.837 2.59276 12.4727C3.04706 11.7332 3.68604 10.8623 4.46211 10.2111L3.17654 8.67897Z" fill="currentColor"/> </svg>

Unbezahlter Urlaub

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M31 16C31 12.0218 29.4196 8.20644 26.6066 5.3934C23.7936 2.58035 19.9782 1 16 1M16 31C18.2488 31.0013 20.469 30.4964 22.4961 29.5227C24.5231 28.5489 26.3049 27.1313 27.7094 25.375" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M19.75 16L1 16M1 16L6.625 21.625M1 16L6.625 10.375" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </svg>

Austritt

<svg width=" 100%" height=" 100%" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19.9473 7.31582H24.6841M24.6841 7.31582H29.421M24.6841 7.31582V12.0527M24.6841 7.31582V2.57898" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M1.08008 21.5263C1.18104 20.4999 1.40921 19.809 1.92488 19.2933C2.8498 18.3684 4.33845 18.3684 7.31574 18.3684C10.293 18.3684 11.7817 18.3684 12.7066 19.2933C13.6315 20.2183 13.6315 21.7069 13.6315 24.6842C13.6315 27.6615 13.6315 29.1501 12.7066 30.0751C11.7817 31 10.293 31 7.31574 31C4.33845 31 2.8498 31 1.92488 30.0751C1.4364 29.5866 1.2059 28.9409 1.09713 28.0017" stroke="currentColor" stroke-width="2" stroke-linecap="round"/> <path d="M1 7.31579C1 4.3385 1 2.84985 1.92493 1.92493C2.84985 1 4.3385 1 7.31579 1C10.2931 1 11.7817 1 12.7067 1.92493C13.6316 2.84985 13.6316 4.3385 13.6316 7.31579C13.6316 10.2931 13.6316 11.7817 12.7067 12.7067C11.7817 13.6316 10.2931 13.6316 7.31579 13.6316C4.3385 13.6316 2.84985 13.6316 1.92493 12.7067C1 11.7817 1 10.2931 1 7.31579Z" stroke="currentColor" stroke-width="2"/> <path d="M18.3682 24.6842C18.3682 21.7069 18.3682 20.2183 19.2931 19.2933C20.218 18.3684 21.7067 18.3684 24.684 18.3684C27.6612 18.3684 29.1499 18.3684 30.0748 19.2933C30.9997 20.2183 30.9997 21.7069 30.9997 24.6842C30.9997 27.6615 30.9997 29.1501 30.0748 30.0751C29.1499 31 27.6612 31 24.684 31C21.7067 31 20.218 31 19.2931 30.0751C18.3682 29.1501 18.3682 27.6615 18.3682 24.6842Z" stroke="currentColor" stroke-width="2"/></svg>

Weiterversicherung nach Stellenverlust

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Pensionierung
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Mit freiwilligen Einkäufen schliessen Sie Vorsorgelücken und verbessern Ihre zukünftigen Altersleistungen.

Vorsorgelücken können in folgenden Fällen entstehen:

  • Sie erhalten Lohnerhöhungen.
  • Sie haben Arbeitsunterbrüche, z. B. durch Elternschaft, Studium oder Auszeiten.
  • Ihr Vorsorgeplan wird verbessert, z. B. durch Erhöhung des versicherten Lohns oder der Sparbeitragssätze.
  • Die effektive Verzinsung Ihres Altersguthaben liegt unterhalb derjenigen mit dem planmässigen Einkaufszinssatz (in der Regel 2 %).

Weil Einkäufe vom steuerbaren Einkommen abziehbar sind, können Sie gleichzeitig Steuern sparen und von einer vorteilhaften Verzinsung auf Ihrem Altersguthaben profitieren.

Rückgewähr der freiwilligen Einkäufe im Todesfall automatisch versichert

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Ein weiterer Vorteil: Bei TRANSPARENTA ist automatisch die Rückgewähr der freiwilligen Einkäufe im Todesfall versichert. Hat eine versicherte Person beim aktuellen Arbeitgeber freiwillige Einkäufe in unsere Stiftung geleistet und verstirbt sie vor der Pensionierung, so erhalten die Begünstigten ein Todesfallkapital, das mindestens der Summe der freiwilligen Einkäufe entspricht (ohne Zinsen und abzüglich von Vorbezügen für WEF und Scheidung).

Spezielles zum Einkauf in die vorzeitige Pensionierung

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Sie können sich bei TRANSPARENTA zusätzlich in die vorzeitige Pensionierung einkaufen. Ein Teil dafür ist bereits automatisch im normalen Einkaufspotenzial berücksichtigt.

Frühestens vier Jahre vor der geplanten vorzeitigen Pensionierung können Sie die Leistungskürzung, welche durch den vorzeitigen Bezug entsteht, bis hin zur reglementarisch maximal möglichen Altersrente im Referenzalter 65 ganz oder teilweise ausgleichen. Diese vorteilhafte 4-Jahres-Frist ermöglicht es, auch bei einem Einkauf in die vorzeitige Pensionierung einen Kapitalbezug anstelle der Rente zu wählen, weil so die dreijährige Sperrfrist gem. Art. 79b BVG nach einem Einkauf eingehalten werden kann.

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Um einen Einkauf tätigen zu können, muss ein Einkaufspotenzial vorhanden sein. Ob ein solches besteht, finden Sie auf Ihrem Vorsorgeausweis unter der Position “Maximal möglicher Einkauf”. Es gibt jedoch Faktoren, welche den ausgewiesenen Einkaufsbetrag reduzieren. Damit wir Ihren maximal möglichen Einkaufsbetrag final berechnen können, bitten wir Sie, uns die erforderlichen Angaben mit dem Einkaufsformular zu übermitteln. Für Formulare, die vor dem 20. Dezember eingehen, garantieren wir Ihnen eine rechtzeitige Berechnung für das laufende Jahr.

Alle Details und Tipps zum Einkauf finden Sie kompakt auf unserem Merkblatt unter Downloads.
Übermitteln Sie uns Ihr ausgefülltes Einkaufsformular direkt und gesichert via Webportal.
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