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.
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
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.
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.
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
The maximum amounts will not change for 2026!
- 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
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Swiss Life Investment Foundation
Investment product Securities no. % equities Investment strategy BVG - Mix 15 1564965 15% Conservative (A) BVG - Mix 25 1245601 25% Balanced (B) BVG - Mix 35 1245606 35% Balanced (B) BVG - Mix 45 1245607 45% Dynamic (C) BVG - Mix 75 43583002 75% Equities (D) BVG - Mix Index 15 137660518 15% Conservative (A) BVG - Mix Index 25 137660520 25% Balanced (B) BVG - Mix Index 35 137660522 35% Balanced (B) BVG - Mix Index 45 137661035 45% Dynamic (C) BVG - Mix Index 75 137661037 75% Equities (D) -
Swisscanto Investment Foundation / Swisscanto Invest
Investment product
Securities no.
% equities
Investment strategy
BVG 3 Portfolio 15 RT 23805195 15% Conservative (A) BVG 3 Portfolio 25 RT 23805270 26% Balanced (B) BVG 3 Portfolio 45 RT 23805297 45% Dynamic (C) BVG 3 Sustainable Portfolio 45 RT 23804772 45% Dynamic (C) BVG 3 Index 45 RT 23804645 45% Dynamic (C) BVG 3 Responsible Portfolio Protection RT 23804622 50% Dynamic (C) Swisscanto (CH) Vorsorge Fonds 75 Passiv – VT 35369090 75% Equities (D) Swisscanto (CH) Vorsorge Fonds 95 Passiv – VT 51196142 95% Equities (D) -
UBS Investment Foundation / UBS Vitainvest Funds
Investment product
Securities no.
% equities
Investment strategy
BVG-25 Aktiv Plus I-A1 11763766 25% Balanced (B) BVG-25 Indexiert (hedged in CHF) I-A1 11764415 25% Balanced (B) BVG-40 Aktiv Plus I-A1 11763867 40% Dynamic (C) BVG-40 Indexiert (hedged in CHF) I-A1 27400346 40% Dynamic (C) UBS Vitainvest Passive 25 Sustainable Q 111013412 25% Balanced (B) UBS Vitainvest Passive 50 Sustainable Q 111013413 50% Dynamic (C) UBS Vitainvest Passive 75 Sustainable Q 111013414 75% Equities (D) UBS Vitainvest Passive 100 Sustainable Q 111013415 98% Equities (D)
Open Your 3a Retirement Solution Today
* 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
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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.*
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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.
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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.).