3a retirement savings

Our tips for pillar 3a

  1. Enjoy the annual tax deduction and pay into a 3a account even when you’re still young.
  2. If you have several 3a accounts you can reduce the tax progression later by making withdrawals in stages.
  3. If your investment horizon is four years or more, invest in securities and increase return prospects.
  4. Achieve optimum diversification by investing in stages, e.g. with a standing order.
  5. The longer your investment horizon, the higher your equity exposure should be – taking into consideration your personal risk appetite.
  6. Many people are unaware that you can also invest just some of your pillar 3a capital in a retirement fund – CHF 1,000 is all you need to get started.