BVG buy-in
In one sentence
A voluntary payment into your pension fund to close a gap, deductible from income.
What it changes for you
The possible amount appears on your pension statement. The deduction is full, making it the system’s most powerful tax tool — but it locks the money until retirement. Two safeguards: a buy-in made within three years of a capital withdrawal forfeits the tax advantage, and a buy-in only makes sense if the fund is financially sound.
Read next
- BVG (second pillar)Occupational pension provision, funded by you and your employer, topping up the AHV.
- Pillar 3aTied retirement savings: deductible from taxable income, locked until retirement with exceptions.
- Vested benefitsYour second-pillar assets when they leave a pension fund without immediately joining another.