Pillar 3a

Early withdrawal


You may withdraw your accumulated retirement savings no earlier than five years before the regular retirement age ('AHV age': 64 years for women, 65 years for men). Beneficiaries of a 3rd-pillar account may withdraw their savings early in the following cases:

  • To purchase additional 2nd-pillar pension benefits
  • If drawing a full invalidity pension under the Swiss Federal Invalidity Insurance (IV) if risk of invalidity has not been insured
  • When taking up a self-employed activity
  • If giving up their former self-employed activity and taking up a new one
  • When leaving Switzerland for good
  • To purchase residential property for their personal use or to redeem a mortgage

Source: Federal Social Insurance Office (FSIO)