Third pillar (3a) in Switzerland: save tax and invest
The third pillar (3a) is one of the best financial decisions you can make in Switzerland: it cuts your tax bill every year while building your retirement.
How much can you contribute (2025)?
Employees with a pension fund: up to CHF 7,258 per year. Self-employed without a 2nd pillar: up to 20% of net income, max CHF 36,288. Everything is deductible from your taxable income.
Three ways to hold a 3a
3a savings account (safe, low interest), 3a in funds (more potential, more volatility), and 3a via insurance (with life cover, less flexible).
Staggered accounts
Open several 3a accounts and withdraw them in different years to smooth the exit tax.
See the impact with the 3a calculator or book a consultation.
This content is educational and does not constitute personalised financial advice under FINMA regulations. For a tailored recommendation, book a consultation.
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