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Retirement provision: Optimizing pillar 3a

Benefit from the higher contribution limits to maximize your tax advantages. Adjusting your monthly payments can lead to significant savings in the long term.

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The basics

Pillar 3a is a core component of private retirement provision in Switzerland. It makes it possible for gainfully employed persons to save for retirement in a tax-advantaged way. In 2025, the contribution limits are as follows:

With pension fund

CHF 7,280 (increase of CHF 224 versus 2024)

Without pension fund

20% of net income, a maximum of CHF 36,400 (increase of CHF 1,120 versus 2024)

Main advantages of pillar 3a

Reduction of taxable income

Ensuring one's standard of living in retirement

Flexibility in selecting type of investment (e.g., savings account or securities solutions)

How to proceed

1. Analysis of your pension situation
Capture your existing pension instruments and identify potential gaps. If necessary, assess your requirements based on your objectives and time horizon.
2. Planning contributions
Decide whether you prefer monthly contributions or annual payments. Check your existing standing orders and adjust them to the new maximum amounts. If you have so far had a pillar 3a insurance solution with the previous maximum contributions, please get in touch with us. Together we will clarify how you can optimally use the difference in contribution amount.
3. Selection of investment type
Choose between traditional savings accounts or securities-based solutions offering higher returns. For the latter, keep in mind your personal risk profile and investment horizon.
4. Periodic review
Assess your pension strategy annually and adjust it according to your circumstances.

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smzh for you

As an independent financial partner, smzh ag offers you:

  • Customized advice: We analyze your personal retirement provision and develop customized solutions.
  • Independent recommendations: We compare offers and identify the best options for you.
  • Long-term support: We guide you in continously optimizing your retirement provision.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

    With a pension fund: CHF 7,280; without a pension fund: a maximum of CHF 36,400 or 20% of your net income.

    Yes, your contributions can be deducted from taxable income, which results in significant savings.

    At the earliest, withdrawal is possible five years prior to reaching statutory retirement age. Yet there are special regulations, for instance when buying owner-occupied real estate.

    You can choose between savings accounts, securities-based solutions, or a combination of the two.