Many people who work do not realize that if they continue to work past the statutory retirement age that they are still liable to pay into AHV. If your annual income is more than 16,800 francs, the usual AHV, IV and loss of income contributions are deducted, with no claim for any compensation in return. However, there is no requirement for persons of retirement age to make contributions to unemployment insurance. Similar to postponing AHV, if you defer receiving pension fund payments it is possible to avoid moving to a higher tax bracket. In principle, when retirement age is reached the contribution obligation ends. If you want to continue working, it is possible to postpone receiving pension fund benefits until the completion of age 70, depending on the pension fund. Check the regulations of your pension fund in advance to review the possibility of deferring your pension fund benefits.