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Subsequent payments into pillar 3a can be made from the 2025 tax year. That means missing pillar 3a contributions can be paid retroactively for the first time from 2026 (going back to 2025). Ordinary contributions for the current tax year as well as subsequent payments are both equally tax deductible for the year of payment. Subsequent payments are generally subject to the same rules as regular payments.

Retiring early is not as simple as you might think. We recommend starting to plan your early retirement in good time. You can only withdraw your retirement savings once. So it is crucial to plan how to make use of your pension savings in advance.

3a retirement savings solutions offer attractive benefits. These include interest rates that are normally higher than standard savings accounts, attractive investment opportunities and tax breaks. As well as boosting your pension, pillar 3 can also be used for other purposes, like buying or building owner-occupied real estate. We explain below how you can use your pillar 3a savings to make your dream of owning your own home come true, and the costs you have to look out for.

Retirement provision is a key issue in Switzerland and has been at the heart of societal and political concerns for years. The pension system is constantly under pressure to reform due to demographic change and rising life expectancy. This blog post provides an overview of the current AHV 21 reform.

Saving for their old age is one of the things that worries Swiss people the most. Not just the more senior members of the population either; younger ones like Generation Z are equally concerned. Because sooner or later, it is the younger generations that will be carrying the Swiss retirement system on their shoulders. And the system is not as stable as it used to be. So if you want to be as comfortably off as possible in the future, you need to deal with the issue of saving for your retirement at an early stage. This blog post will explain what you need to know about the Swiss three-pillar system and how you can benefit from it as much as possible in future.

Voluntary 3a retirement savings are a key part of the Swiss pension system. They allow us to maintain our accustomed standard of living and keep up quality of life in our old age. But who actually determines how much we can pay in to pillar 3 every year? This post looks at how the annual maximum contribution is calculated, how often it changes and when it’s the best time to contribute.

The sooner you pay into pillar 3a, the more you profit later. Pillar 3a is worth it, regardless of the size of the annual contributions. The fact that payments are regular is crucial and each franc contributed is worthwhile. Not just because every franc is tax-deductible, but also because the effect of compound interest ensures that your savings grow each year without you having to do anything.

Make sure you are best prepared for the future. If you plan for the long term in Switzerland, you can optimise your retirement savings and save taxes at the same time. How does that work, exactly? This blog post explains how you can cut your tax burden and boost your retirement savings, even if you have a high income.

Retirement assets are saved up during employment, often for a pension or better retirement provision. Besides government levies, old-age and survivors’ insurance (OASI) contributions (pillar 1) and employers’ contributions to the pension fund (pillar 2), employed persons with an income subject to OASI contributions can also pay into pillar 3 – the tied pillar 3a retirement provision – and in turn deduct the contributions from taxable income.

Do you want to decide for yourself who has a claim to your pillar 3 (savings 3 foundation) retirement assets when you die? In this article, we explain the applicable provisions and show you how you can change your order of beneficiaries.

Are you planning renovation work in the garden of the home you own? Would you like to withdraw money from your retirement savings to do so? This article explains how you can use your pillar 3a savings to renovate residential property.

With these six tips for pillar 3a you will be well prepared for your retirement. We explain what you need to watch for when saving for retirement, and the mistakes you absolutely must avoid.