La Rente Certaine in 2023
pension
What is Rente Certaine?
An annuity certain is an annuity paid for the duration of your choice, from a minimum of 5 years to a maximum of 25 years. It is financed by the payment of a single lump sum of at least CHF 5,000, in exchange for which you receive a guaranteed annuity over the period you have defined, which can subsequently be increased by a surplus portion.
The annuity certain offers you very attractive tax advantages: it exempts you from federal stamp duty (2.5% deducted from your initial payment) and, unlike life annuities, the guaranteed annuity you receive is not taxed at all on your taxable income.
It is an ideal solution for those who wish to use up their capital over a defined period, while benefiting from a highly advantageous tax system.
In Brief
The advantages of annuity certain
Defined annuity
You decide how long you want to receive the annuity.
Taxation
The guaranteed annuity you receive is not included in your taxable income, so you pay no tax on it.
Simplicity
No need to actively manage your capital, the annuity certain guarantees you a regular income over a defined period.
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Annuity certain
Possible options
Immediate annuity certainty
For this type of annuity certain, the annuity will be paid out immediately after the single premium has been paid.
The annuity certain is for you if you already have capital to invest and want to benefit from immediate annuity payments.
Deferred Term Certain Annuity
If you have not yet reached retirement age, it is possible to build up capital through various products such as a 3rd pillar, with plans to use the capital for a guaranteed annuity.
Or you can pay a large capital sum directly, which will generate a return until you reach the first annuity payment date you define in advance.
On the date you specify, the capital plus interest is converted into a guaranteed annuity.
With refund: In the event of your death, the person you or your family have designated will receive a refund of the single premium paid, without interest and with deduction of annuities already received.
No refund: In the event of death, nothing is refunded to your next of kin, but you benefit from tax advantages, as the capital is not included in your taxable assets.
Would you like to provide an income for a loved one? An annuity certain is the ideal solution, since it is possible to insure someone other than the premium payer.
You pay a capital sum, and in exchange an annuity is paid over a defined period to the person you have designated.
