Our tips for pillar 3a
With the six tips on pillar 3a you are well prepared for retirement.
- Enjoy the annual tax deduction and pay into a 3a account even when you’re still young.
- If you have several 3a accounts you can reduce your taxes later by making withdrawals in stages.*
- If your investment horizon is four years or more, invest in securities and increase your return prospects.
- Achieve optimum diversification by investing in stages, e.g. with a standing order.
- The longer your investment horizon, the higher your equity exposure should be – taking into consideration your personal risk appetite.
- Many people are unaware that you can also invest just some of your pillar 3a capital in a retirement fund – CHF 1,000 is all you need to get started.
*In general, we recommend opening an additional 3a retirement account for amounts over CHF 50,000.
Do you have any questions? Contact our advisory team for an initial non-binding consultation.
