Pillar 3a
soon!
About us & knowledge
Pillar 3a
soon!
About us & knowledge
findependent pillar 3a
Digital, yet personal
findependent pillar 3a
Digital, yet personal
findependent pillar 3a
Digital, yet personal
Great news: findependent's pillar 3a has been founded
Great news: findependent's pillar 3a has been founded
Great news: findependent's pillar 3a has been founded
These are the next steps
We’re now working full speed on our 3a investment solutions
We aim for a launch in autumn 2026
So you can definitely still make your first deposit with us in the 2026 tax year
These are the next steps
We’re now working full speed on our 3a investment solutions
We aim for a launch in autumn 2026
So you can definitely still make your first deposit with us in the 2026 tax year
These are the next steps
We’re now working full speed on our 3a investment solutions
We aim for a launch in autumn 2026
So you can definitely still make your first deposit with us in the 2026 tax year
Saving for retirement with pillar 3a
The AHV (OASI – Old-Age and Survivors’ Insurance) and pension fund (2nd pillar, BVG) are often not enough to maintain your usual standard of living in retirement. The pillar 3a can help fill this gap.
In addition, you can lower your tax burden by making payments into your pillar 3a.
Contributions to the pillar 3a remain “locked” until you reach retirement age. They can only be withdrawn in a few exceptional cases (e.g., mortgage repayment or emigration).
Saving for retirement with pillar 3a
The AHV (OASI – Old-Age and Survivors’ Insurance) and pension fund (2nd pillar, BVG) are often not enough to maintain your usual standard of living in retirement. The pillar 3a can help fill this gap.
In addition, you can lower your tax burden by making payments into your pillar 3a.
Contributions to the pillar 3a remain “locked” until you reach retirement age. They can only be withdrawn in a few exceptional cases (e.g., mortgage repayment or emigration).
Saving for retirement with pillar 3a
The AHV (OASI – Old-Age and Survivors’ Insurance) and pension fund (2nd pillar, BVG) are often not enough to maintain your usual standard of living in retirement. The pillar 3a can help fill this gap.
In addition, you can lower your tax burden by making payments into your pillar 3a.
Contributions to the pillar 3a remain “locked” until you reach retirement age. They can only be withdrawn in a few exceptional cases (e.g., mortgage repayment or emigration).
Invest your pillar 3a
Your pillar 3a usually only becomes available upon retirement. That might seem like a drawback, but it comes with a great advantage: the investment horizon for these funds is (usually) very long-term. Instead of simply leaving your retirement money in a bank account, you should therefore invest it in securities.
Invest your pillar 3a
Your pillar 3a usually only becomes available upon retirement. That might seem like a drawback, but it comes with a great advantage: the investment horizon for these funds is (usually) very long-term. Instead of simply leaving your retirement money in a bank account, you should therefore invest it in securities.
Invest your pillar 3a
Your pillar 3a usually only becomes available upon retirement. That might seem like a drawback, but it comes with a great advantage: the investment horizon for these funds is (usually) very long-term. Instead of simply leaving your retirement money in a bank account, you should therefore invest it in securities.
Pay attention to fees
When choosing a provider and pillar 3a funds, always pay attention to costs. More than 1% per year is far too expensive, around 0.5% is just about okay, and anything under 0.3% is great.
You should also definitely avoid issuance fees or other more or less hidden charges.
Pay attention to fees
When choosing a provider and pillar 3a funds, always pay attention to costs. More than 1% per year is far too expensive, around 0.5% is just about okay, and anything under 0.3% is great.
You should also definitely avoid issuance fees or other more or less hidden charges.
Pay attention to fees
When choosing a provider and pillar 3a funds, always pay attention to costs. More than 1% per year is far too expensive, around 0.5% is just about okay, and anything under 0.3% is great.
You should also definitely avoid issuance fees or other more or less hidden charges.
Your benefits at a glance
You can either deposit the maximum contribution in a single annual payment or in smaller, regular installments
With pension fund
The maximum amount for 2026 remains unchanged at 7'258 francs.
Without pension fund
For individuals without a pension fund affiliation, the maximum amount is 36'288 francs or 20% of earned income.
Increase since 2025
The maximum amount was last raised in 2025, by 202 francs (with pension fund) and 1'008 francs (without pension fund), respectively.
Your benefits at a glance
You can either deposit the maximum contribution in a single annual payment or in smaller, regular installments
With pension fund
The maximum amount for 2026 remains unchanged at 7'258 francs.
Without pension fund
For individuals without a pension fund affiliation, the maximum amount is 36'288 francs or 20% of earned income.
Increase since 2025
The maximum amount was last raised in 2025, by 202 francs (with pension fund) and 1'008 francs (without pension fund), respectively.
Your benefits at a glance
You can either deposit the maximum contribution in a single annual payment or in smaller, regular installments
With pension fund
The maximum amount for 2026 remains unchanged at 7'258 francs.
Without pension fund
For individuals without a pension fund affiliation, the maximum amount is 36'288 francs or 20% of earned income.
Increase since 2025
The maximum amount was last raised in 2025, by 202 francs (with pension fund) and 1'008 francs (without pension fund), respectively.
In October 2026, the Federal Council will decide whether the maximum amounts for Pillar 3a will increase in 2027.
In October 2026, the Federal Council will decide whether the maximum amounts for Pillar 3a will increase in 2027.
Tips and tricks
How to get the most out of your pillar 3a
Several pillar 3a
It’s worth holding more than one pillar 3a account. This gives you the option to draw from a different pillar 3a each year in the years leading up to your retirement, optimizing your tax burden.
For example, if you have two pillar 3a with 80'000 francs each instead of one with 160'000 francs, you can withdraw the two accounts in two different tax years, at ages 62 and 64. That way, you break the progression and save taxes.
Early withdrawal pillar 3a
You can withdraw your pillar 3a funds at the earliest five years before reaching the regular AHV retirement age, or for one of the following reasons:
You purchase a residential property
It’s important that the house or apartment is owner-occupied. It doesn’t matter whether you use the pillar 3a funds for the purchase or for repaying the mortgage.You make additional contributions to your pension fund. This must be done through a voluntary top-up.
You receive a disability pension.
You become self-employed.
You leave Switzerland permanently. You must deregister from Switzerland and provide written proof of this.
Upon your death, the balance of your pillar 3a account will go to your legal heirs (unless otherwise instructed).
Postpone pillar 3a withdrawal
You can also postpone the withdrawal of your pillar 3a funds, but only for a maximum of five years beyond your 65th birthday. The key requirement is that you continue to be employed.
Tips and tricks
How to get the most out of your pillar 3a
Several pillar 3a
It’s worth holding more than one pillar 3a account. This gives you the option to draw from a different pillar 3a each year in the years leading up to your retirement, optimizing your tax burden.
For example, if you have two pillar 3a with 80'000 francs each instead of one with 160'000 francs, you can withdraw the two accounts in two different tax years, at ages 62 and 64. That way, you break the progression and save taxes.
Early withdrawal pillar 3a
You can withdraw your pillar 3a funds at the earliest five years before reaching the regular AHV retirement age, or for one of the following reasons:
You purchase a residential property
It’s important that the house or apartment is owner-occupied. It doesn’t matter whether you use the pillar 3a funds for the purchase or for repaying the mortgage.You make additional contributions to your pension fund. This must be done through a voluntary top-up.
You receive a disability pension.
You become self-employed.
You leave Switzerland permanently. You must deregister from Switzerland and provide written proof of this.
Upon your death, the balance of your pillar 3a account will go to your legal heirs (unless otherwise instructed).
Postpone pillar 3a withdrawal
You can also postpone the withdrawal of your pillar 3a funds, but only for a maximum of five years beyond your 65th birthday. The key requirement is that you continue to be employed.
Tips and tricks
How to get the most out of your pillar 3a
Several pillar 3a
It’s worth holding more than one pillar 3a account. This gives you the option to draw from a different pillar 3a each year in the years leading up to your retirement, optimizing your tax burden.
For example, if you have two pillar 3a with 80'000 francs each instead of one with 160'000 francs, you can withdraw the two accounts in two different tax years, at ages 62 and 64. That way, you break the progression and save taxes.
Early withdrawal pillar 3a
You can withdraw your pillar 3a funds at the earliest five years before reaching the regular AHV retirement age, or for one of the following reasons:
You purchase a residential property
It’s important that the house or apartment is owner-occupied. It doesn’t matter whether you use the pillar 3a funds for the purchase or for repaying the mortgage.You make additional contributions to your pension fund. This must be done through a voluntary top-up.
You receive a disability pension.
You become self-employed.
You leave Switzerland permanently. You must deregister from Switzerland and provide written proof of this.
Upon your death, the balance of your pillar 3a account will go to your legal heirs (unless otherwise instructed).
Postpone pillar 3a withdrawal
You can also postpone the withdrawal of your pillar 3a funds, but only for a maximum of five years beyond your 65th birthday. The key requirement is that you continue to be employed.
Home ownership financing with pillar 3a
The most common reason for early withdrawal of Pillar 3a funds is the purchase or repayment of home ownership. However, this is only possible for a property that you use as your primary residence; it is referred to as owner-occupied property.
Therefore, using Pillar 3a funds for a vacation home in the Canary Islands, a holiday apartment in the mountains, or a condominium that you plan to rent out is not permitted.
Home ownership financing with pillar 3a
The most common reason for early withdrawal of Pillar 3a funds is the purchase or repayment of home ownership. However, this is only possible for a property that you use as your primary residence; it is referred to as owner-occupied property.
Therefore, using Pillar 3a funds for a vacation home in the Canary Islands, a holiday apartment in the mountains, or a condominium that you plan to rent out is not permitted.
Home ownership financing with pillar 3a
The most common reason for early withdrawal of Pillar 3a funds is the purchase or repayment of home ownership. However, this is only possible for a property that you use as your primary residence; it is referred to as owner-occupied property.
Therefore, using Pillar 3a funds for a vacation home in the Canary Islands, a holiday apartment in the mountains, or a condominium that you plan to rent out is not permitted.
Tax benefit pillar 3a
All contributions to the pillar 3a can be deducted from your taxable income on your tax return, thereby reducing your tax bill. The amount of your savings depends on your marginal tax rate. For example, if your marginal tax rate is 20%, a contribution of CHF 5,000 to the pillar 3a will reduce your tax bill by CHF 1,000 (20% of CHF 5,000).
Additionally, you do not pay income tax on the earnings generated by the pillar 3a.
Tax benefit pillar 3a
All contributions to the pillar 3a can be deducted from your taxable income on your tax return, thereby reducing your tax bill. The amount of your savings depends on your marginal tax rate. For example, if your marginal tax rate is 20%, a contribution of CHF 5,000 to the pillar 3a will reduce your tax bill by CHF 1,000 (20% of CHF 5,000).
Additionally, you do not pay income tax on the earnings generated by the pillar 3a.
Tax benefit pillar 3a
All contributions to the pillar 3a can be deducted from your taxable income on your tax return, thereby reducing your tax bill. The amount of your savings depends on your marginal tax rate. For example, if your marginal tax rate is 20%, a contribution of CHF 5,000 to the pillar 3a will reduce your tax bill by CHF 1,000 (20% of CHF 5,000).
Additionally, you do not pay income tax on the earnings generated by the pillar 3a.
You're ready in 10 minutes
Our app offers you everything from a single source: pillar 3a (starting autumn 2026) and Invest
To your own investment solution in just a few steps
Start with one of five ready-made solutions – you then build your personal mix directly in the app.
You're ready in 10 minutes
Our app offers you everything from a single source: pillar 3a (starting autumn 2026) and Invest
You're ready in 10 minutes
Our app offers you everything from a single source: pillar 3a (starting autumn 2026) and Invest
Talk to humans, not to bots
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
ENGLISH
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
ENGLISH
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.