A buy-in is a way to increase your personal savings with PUBLICA and improve your retirement benefits. It is also tax-deductible. Even if you have paid into pillar 3a, buy-ins are still possible.
Buying in when you join PUBLICA
When you join the Swiss Federal Pension Fund PUBLICA, you are free to choose your own buy-in amount – up to the maximum – for the first 90 days. After that, a minimum of CHF 2,000 applies. You can see your buy-in potential and carry out a buy-in directly in the active member portal myPublica.
Check your buy-in potential and fill the gap
Check the amount of your buy-in potential – if any – in myPublica or on your pension certificate. In simple terms, your buy-in potential is the difference between the maximum possible pension assets and your current pension assets.
If you have made an early withdrawal to buy a home, you need to pay this back first before you can carry out a buy-in. Replacement buy-ins following a divorce can be made at any time, up to the amount transferred under the divorce settlement. You can find more information on statutory benefits in your pension plan’s regulations.