Pillar 3a
Saving for retirement while paying less tax: pillar 3a is one of the most effective tools available. But you need to choose the right solution.
At a glance
- 01
Tax deduction
Your contributions directly reduce your taxable income for the year.
- 02
Bank-based 3a
Flexible contributions and the option to invest in securities to suit your profile.
- 03
Insurance-based 3a
Guaranteed savings and protection for your loved ones if the worst happens.
- 04
Staggered withdrawals
Several accounts opened early let you spread withdrawals and reduce tax.
Pillar 3a is restricted private pension provision. The amounts you pay in each year are deductible from your taxable income, up to a ceiling set each year by the Confederation, which differs depending on whether or not you belong to a pension fund.
There are two main options: bank-based 3a, which is flexible with no commitment to pay in, and insurance-based 3a, which combines savings with protection in the event of death or disability. We compare both according to your situation.
Our approach
What we compare for you
- Management fees and expected returns
- The savings and protection components of an insurance-based 3a
- Flexibility of contributions and the option to pause them
- An investment strategy matched to your time horizon
- Tax optimisation when you withdraw
Pillar 3a simulator
Estimate your tax saving and the capital you will have built up by retirement, based on your situation.
Your status
Estimated from your income (single person, Geneva). Adjust it if you know it.
Investment
Hypothetical annual return: 3,5%
Estimated capital at retirement
CHF 387'791
in 30 years
- Tax saving per year
- CHF 2'250
- Total tax savings
- CHF 67'499
- Total paid in
- CHF 217'740
- Estimated return
- CHF 170'051
Your real cost, after tax
CHF 417 / month
Indicative simulation, not binding. Returns are not guaranteed and your actual tax rate depends on your canton, municipality and family situation. The capital is taxed separately, at a reduced rate, when withdrawn. 2026 limits set by the Swiss Confederation.
Frequently asked questions
Let's talk about your project.
A first conversation that is free, with no obligation, in your language.