Private pension with pillar 3a

Private pension - the earlier the better

The pros and cons of bank and insurance products at a glance.

Pay into pillar 3 now and save taxes

Close your pension gap and avoid "poverty" in retirement

Safeguard yourself and your family


Retirement system in simple terms

All you need to know about the Swiss three-pillar system.


Close pension gaps

Expecting to maintain your standard of living during retirement on just 60 per cent of your current income? Think again.

Save taxes with pillar 3

Pay into pillar 3 and save taxes. Work out your potential savings now.

Personal retirement consultation

We can help you find the ideal investment option.

For a carefree future

The pension received from pillars 1 and 2 is often too small to allow pensioners to maintain their standard of living in retirement. Without a pillar 3a (private) pension, there may be a substantial shortfall.

Useful information


Pillar 3a – why it pays to pay in early

In the current climate of low interest rates, you get more from your money this way than by putting it in a savings account. That’s why it's worth paying into your pillar 3a account at the beginning of the year. More


Personal retirement consultation – free of charge and with no obligation.

Compare pillar 3 solutions

The private pension is the third pillar of the Swiss retirement system called the "three-pillar concept". There are plenty of options to invest your savings. Both banks and insurance companies offer appropriate solutions. In addition to the conventional, fixed-interest pillar 3a bank account, banks also offer so-called fund accounts for investors willing to take more risks. If you are interested in both saving money and being covered against risks such as death or incapacity for work due to illness or injury, then third-pillar insurance products might be the right choice. Investments into any of the pillar 3a products may be fully deducted from your taxable income up to the maximum annual contribution as set by law. Private retirement savings are important to maintain one's desired standard of living in retirement. And yet, a large part of the Swiss population starts planning their retirement late, insufficiently or incompletely.