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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.

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.

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.