Change of pillar 3a

Pension accounts allow a maximum deduction on the annual tax declaration by law. However, the offered rates of the providers differ. Changing the pension account to a provider with a higher interest rate is worthwhile in the long-run.

The following presentation intends to show the change procedure and to offer the necessary support.

Provider Interest rate
(%/year)
Amount at time of payout
CHF
Saving advantage
CHF
 
3a account
Banque CIC (SUISSE) retirement account 3a 2.000% 323,700 52,403
 
 
BSI provision account 3a 2.000% 323,700 52,403
 
 
Cornèr Bank SA Cornèr 3rd Pillar 2.000% 323,700 52,403
 
 
Generali / BSI provision account 3a 2.000% 323,700 52,403
 
 
Swisslife Provision Account 3a 1.000% 271,297 0
 
 
Zürcher Kantonalbank Saving 3 Accounts 1.000% 271,297 0
 
 
 

Example
Payment amount CHF 6,739
Assets already saved CHF 0
Overall deposited amounts CHF 229,126
Your year of birth 1981
Payment to age 65
Percentage of shares

Information

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    Pillar 3a - Draft for switching provider