Our tips for pillar 3a

1. Enjoy the annual tax deduction and pay into a 3a account even when you’re still young.
2. If you have several 3a accounts you can reduce your taxes later by making withdrawals in stages.*
3. If your investment horizon is four years or more, invest in securities and increase your return prospects.
4. Achieve optimum diversification by investing in stages, e.g. with a standing order.
5. The longer your investment horizon, the higher your equity exposure should be – taking into consideration your personal risk appetite.
6. 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.
7. 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). Further information can be found here.

* From CHF 50,000 we recommend opening another 3a account (the amount of progression varies depending on the canton).