Gopfried Stutz: When the tax officer goes on strike

class=”sc-29f61514-0 kHgAwW”>

Right now, there is a lot of talk about tax breaks for working retirees. There is no doubt: some of the Ü65 are fit and at least they don’t mind working part-time. And since there is a shortage of workers in Switzerland, it should be in the general interest to increase the employment rate over 65.

Problem: Pensions and earned income are added up when calculating taxes. And so retirees who want to work are entering a high tax advance and paying more taxes than ever before.

It can be said that the amount of tax liability is not decisive. Rather, what matters is the amount left on the bottom line. This is objectively true. Subjectively, the heavy tax bill still bothers me.

But now you should know that retirees are partially to blame if they go into a high tax advance. You can defer AHV, that is, you can only draw at 66, 67 or even 70.

Surprisingly, very few use it. In this way, the pension can be increased significantly. Anyone who does not receive AHV by age 70 will receive a 31.5 percent higher lifetime pension. For example, instead of 2400 francs, you get 3156 francs – 756 francs more each month.

With a pension fund pension is a little more difficult. Many employers do not offer deferments at all, or only in dire circumstances.

Now there are shrews who like to calculate how long they have to live to receive a higher AHV pension if they delay. They’ll have to get pretty old, which isn’t what many actually want, according to surveys.

For example, someone who dies at age 80 is worse off deferring their AHV pension, so over the years they will have received less pension than they did at 65.

Who cares? Is that really the question I asked myself on my deathbed? Am I interested in whether it pays out at 80, financially at 65 or 70? Or is it more about not having to worry about tax overload at age 65 to 70 and being able to look forward to a higher AHV pension from age 70?

This is true only up to the age of 70. Then, although there are very fit people in this age group, it’s finally over and Gopfried Stutz, born in 1953, wants to count himself among them. However, those over the age of 70 cannot postpone either column 1 or column 2 and disrupt tax progress by continuing to pay column 3a.

The political message can only mean one thing: those in the 70s should resign. The only thing to say to Gopfried Stutz is “thanks”. It will take this into account.

Source :Blick