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Pillar 3a Comparison Switzerland2025
Find the best Pillar 3a solution. Compare 3a accounts and retirement funds from all providers.
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What you should know
Pillar 3a is the restricted pension savings in Switzerland and offers significant tax advantages. For 2025, the maximum contribution is CHF 7,258 for employees with a pension fund and CHF 36,288 for self-employed without a pension fund. From 2026, the possibility of retroactive contributions will be introduced. Contributions are fully deductible from taxable income, which represents a tax saving of CHF 2,000 to CHF 3,000 per year depending on the marginal tax rate. However, the capital is locked until 5 years before the ordinary retirement age and can only be withdrawn for specific reasons (home ownership, self-employment, emigration).
Expert tips
Contribute the maximum amount annually to maximize tax savings.
Open multiple 3a accounts for staggered withdrawals and lower tax burden.
Compare bank interest rates (0.5-1.5%) or fund solution returns (3-6% long-term).
Take advantage of retroactive contribution option from 2026.
Plan withdrawals tax-efficiently over multiple years.
Frequently asked questions
How much can I contribute to pillar 3a in 2025?
CHF 7,258 for employees with pension fund, CHF 36,288 for self-employed without pension fund.
What tax savings does pillar 3a provide?
Depending on marginal tax rate, you save 20-40% of contributions, i.e., CHF 1,500 to CHF 3,000 per year at maximum amount.
When can I withdraw the money?
At earliest 5 years before ordinary retirement age (60/65), or for home ownership, self-employment, or emigration.
Which is better: bank 3a or securities 3a?
Securities 3a offers higher long-term returns (3-6% vs. 0.5-1.5%) but is more volatile. Recommended for horizons over 10 years.
What changes in 2026 for pillar 3a?
From 2026, you can make retroactive contributions if you didn't contribute the maximum amount in previous years.
Disclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.