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Ratgeber Private Vorsorge: Säule 3a

Pillar 3a: tied pension provision

Actively shape your future and start early with pillar 3a insurance. With a 3a life insurance policy you can protect yourself and your family and save taxes every year.

What is pillar 3a?

Pillar 3a – also known as tied pension provision – is part of the third pillar of the Swiss pension system. Its main purpose is retirement provision and it is normally paid out when you reach retirement age. It can only be paid out early under certain conditions. As pillar 3a is an important component of private retirement provision, the federal government gives tax relief on payments made into pillar 3a schemes.

Paying into pillar 3a

Each year, you can deduct contributions to tied pension provision (pillar 3a) from your taxable income. So by paying into a pillar 3a account, you not only provide for your future, but also benefit from a tax advantage. However, you cannot pay in as much as you like: tied pension provision is limited to a statutory maximum amount set by the Federal Council.

Pillar 3a maximum amount 2022:

  • Gainfully employed persons in an occupational pension fund: max. CHF 6,883
  • Gainfully employed persons not in an occupational pension fund: max. CHF 34,416

For more information, click here: www.bsv.admin.ch

Pay-outs from pillar 3a

With the additional capital from your private pension provision, you can maintain your accustomed standard of living in retirement and enjoy life without having to worry. You can normally have your third-pillar savings paid out up to five years before reaching ordinary retirement age or up to five years after that age. So if you take early retirement you can generally take your pillar 3a savings earlier too.

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