- You put aside as much as you want, whenever you want.
- Payments into the account are deductible from your taxable income (within the legal limit).
- The money in your account is not subject to the wealth tax, and it is taxed at a reduced rate as you take it out.
Tax-free interest at an attractive rate
The variable interest rate on our Epargne 3 account is higher than that on our standard savings account. And the interest you receive is not subject to income tax.
Paying down your mortgage indirectly
You can put money intended to pay off your mortgage into an Epargne 3 account. At the end of the agreed term, you can use the money in the account to pay down your mortgage. The money you withdraw is taxed at a reduced rate.
This method offers significant tax advantages: money paid into an Epargne 3 account can be deducted from your taxable income, and your mortgage debt remains constant during this time and can therefore be deducted in full from your total wealth on your tax return.
Open several accounts to maximize the tax benefits
You can get additional tax benefits when you take money out of your Epargne 3 account by spreading the withdrawals over several years, to minimize the effects of progressive taxation. You can take the money out starting five years before the legal retirement age or, if you continue working, until age 69 for women and age 70 for men.
However, when you take money out of an Epargne 3 account, you must take it all out at once. Therefore you would need to have several different accounts to spread the withdrawals out over time. For instance, if you have two accounts and withdraw a total of CHF 200,000 from them in two separate years, you can cut your tax bill by nearly CHF 5,000 (based on Lausanne tax rates). Note that this practice is not allowed in some cantons, so consult your local tax office before investing.
Fees and conditions
Fees and conditions
0.15% (until 2020/01/31)
Choisissez parmi les prestations d'épargne de la BCV celles qui vous permettront le mieux d'atteindre vos objectifs et de concrétiser vos rêves.
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Vested Benefits account
The Vested Benefits account lets you continue growing your retirement savings while you are not working.
RP Rente certaine
RP Rente Certaine is a term-certain annuity contract offered by our partner Retraites Populaires. It gives you a guaranteed, steady stream of income for a set period of time.