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From what I understand you can deduct voluntary payments to your pension fund to close gaps from your taxable income. Then there is also apparently a tax deduction for interest paid for loans. Could it ever make sense to get a loan and use the money to close a gap in your pension fund, taking the tax benefits and interest paid/earned into consideration?
Hi there,
Getting a loan to close a gap in your occupational pension fund can make financial sense if the money you save through the tax deductions for 2a pension fund contributions and interest paid for your loan is higher than the total cost of the loan. This will largely depend on the interest rate you pay for the loan.
You can calculate the total cost of a loan using the moneyland.ch loan calculator.
Best regards from Moneyguru
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