3a Retirement

A well-structured 3a plan provides a strong cornerstone for your overall retirement strategy. At CIC (Switzerland), we leverage Swiss expertise and a modern approach to help you save on taxes, grow your assets, and ensure long-term financial stability.

Open a 3a retirement solution now
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How 3a Retirement Works

A 3a retirement solution allows you to make regular, voluntary contributions within defined legal limits. These contributions are tax-deductible, and your accumulated will become avilable when you reach retirement age - unless you qualify for early withdrawal options. No matter if you choose an 3a account or a 3a fund, the flexibility of 3a makes it an ideal complement to the mandatory Swiss pension system.

9 Key Benefits of our 3a Solution

Tax Benefits

Reduce your taxable income by contributing up to the legal maximum.

Save or Invest - Your Choice

Decide between a straightforward savings account or an investment-based approach to suit your needs.

Quick and Easy

Track account balances, performance, and contributions online in real-time with CIC eLounge.

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Buy and Sell Funds

Manage your investment strategy at your convenience with a few clicks.

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Attractive Interest Rates

Profit from our attractive rates, which are among the best in Switzerland.

Choice of Over 20 Funds

Diversify your portfolio according to your risk profile, your long-term goals, and your personal preferences.

Multiple 3a Accounts

Reduce your taxes later by making withdrawals in several instalments.

Flexible Contributions

Adjust your payments in line with your personal or business cash flow.

Early Withdrawal

Tap into your 3a savings to buy residential property or start a business, under legally approved conditions.

Just Save, or Invest at the Same Time - The Choice is Yours

At CIC (Switzerland), we believe in custom-fit solutions. Whether you prefer a stable savings path or a dynamic investment approach, we offer a range of options:

3a retirement account

Predictable Returns: Earn a stable rate of interest without the risk of market fluctuations.

Low Risk: Ideal if you prefer security and want to shield your capital from volatility.

Flexible Deposits: Adapt your contributions at any time - top up when you can, pause if needed.

Deposit Protection: Enjoy the assurance of Swiss deposit protection regulations for added peace of mind.

 

3a Investment Solution

Growth Potential: Tap into the equity or bond markets through curated funds or portfolios, aiming for higher returns.

Personalized Strategy: Align your investments with your individual risk tolerance and future goals.

Wide range of pension funds: Thanks to our broad offering, you can choose from a variety of attractive pension funds from different providers.

Portfolio Management: Our specialists regularly review and adjust your investment mix to keep you on track. 

 

Further Information

CIC eLounge: Smart, Secure, Seamles

Empower your financial journey with CIC eLounge. Access your accounts securely, execute transactions efficiently, and gain comprehensive insights into your finances - all in one place. Our platform offers user-friendly navigation, and personalized support to ensure your banking experience is seamless and tailored to your needs. Whether you're managing personal wealth or overseeing business finances, CIC eLounge provides the tools and flexibility to keep you in control, anytime and anywhere.

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Overview of Terms

  • 3a retirement account: The current interest rate can be found in the overview of account interest rates.
  • Retirement funds: all-in fee of 0.5% p.a. of portfolio value*

*Minimum CHF 50 p.a., debited annually on 31.12. or when the retirement account is closed. Calculations are based on the fund value on the 25th of each month. Clients domiciled in Switzerland or the Principality of Liechtenstein also have to pay value added tax. On closing an account, the current month will still be invoiced – the fee will be calculated on the basis of the assets held in custody on the day of sale.

Max­imum de­posit for 2025 for pil­lar 3a

  • CHF 7,258 for employed persons with a pension fund
  • 20% of net income, up to CHF 36,288 for employed persons without a pension fund.

Retirement Funds by Provider

Open Your 3a Retirement Solution Today

 

Forms and Documents

* The transfer form can only be submitted with an existing 3a retirement savings account. If you do not yet have a 3a retirement savings account with CIC (Switzerland), you can open one quickly and easily online in just a few minutes. To do so, click on «Open a 3a retirement savings account online».

Preconditions for Opening an Account Online

  • An account can currently be opened online by individuals who are adult, resident in Switzerland and have Swiss nationality or one of the nationalities on our list.*

  • Your identity will be verified during the online account-opening process on the basis of a valid identity document (passport or identity card). It is easiest if you use your mobile device for this.

  • Once your first account has been successfully activated, you will be able to open other 3a retirement accounts and 3a retirement funds easily in CIC eLounge.

  • If you do not meet the conditions for opening a 3a retirement account online, please use the account opening form.

* If you would like to open a client relationship but your nationality is not on our list, please present yourself in person with your passport at one of our branches in Switzerland so that we can perform the necessary identification checks. You are also welcome to call our Private Clients team on 058 268 16 00 or request an advisory meeting.

If you have any questions when opening an account, please write us or call us on 058 268 16 00 (Monday to Friday, 8 a.m. to 5.30 p.m.).