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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 2021:

  • 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

Save taxes with the pillar 3a
How much tax can I save each year by paying into pillar 3a?

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.

When can you make an advance withdrawal from pillar 3a?

You can use your tied retirement savings not only to provide for your old age, but also to fulfil a long-cherished dream. Unlike flexible pension savings (pillar 3b), 3a savings can only be withdrawn early in certain cases:

To purchase a home or repay your mortgage

Will you soon be able to realize your dream of owning your own home? To provide the necessary equity you can withdraw your pillar 3a savings. Instead of cancelling your life insurance you can also pledge it. Pillar 3a benefits can only be withdrawn to help finance an owner-occupied residential property.


You’ve decided to take the plunge and become self-employed and you need a certain amount of start-up capital? In this case you can also close your 3a account early and withdraw money.

Leaving the country permanently

Are you going to realize your long-cherished dream of starting a new life abroad? If you move abroad permanently you also have the option of withdrawing your 3a funds early.

Pension fund purchases

If you would like to improve your pension benefits by making a voluntary purchase into your pension fund you can also withdraw money from pillar 3a for this purpose.


Life is unpredictable. If you were to become disabled as a result of an accident or illness and were no longer able to work, an early withdrawal would also be possible under certain conditions.

3a pension solutions

Fund account

Enjoy the flexibility and, here too, take advantage of market opportunities by investing in attractive investment funds. At the same time you forgo insurance cover completely.
Your advantage
Flexible investment and attractive opportunity for profits
Fund account

Performance plan

You bank entirely on market performance and invest in attractive investment funds.
Your advantage
High earnings opportunities thanks to a return-oriented investment
Performance plan

Guarantee plan

You choose your investment strategy and determine your ideal mix of security and return.
Your advantage
Guaranteed minimum benefit with additional opportunities for profits
Guarantee plan

Benefit plan

You invest your money securely and know, when you take out the insurance, how much you will ultimately receive.
Your advantage
No-risk pension provision with guaranteed payout
Benefit plan
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