The Swiss retirement system is based on the three-pillar principle, which ensures financial security in retirement, in the event of disability, or in case of death. It combines state, occupational, and private pension solutions to safeguard the standard of living of the population over the long term. Each pillar serves a specific function and complements the others.
The three pillars are designed to prevent financial gaps and cover individual needs.
Determining the maximum contributions toward pillar 3a to maximize tax deductions.
Assessing tax advantages of long-term planning.
Adjusting retirement provision strategy to changed circumstances, for instance due to marriage, childbirth, or work-related changes.
Making sure that retirement provision gaps are closed and goals are reached.
Learn why voluntary savings for retirement are essential and how pillar 3a offers a tax-advantaged way to accumulate such savings. You will also get practical tips to analyze your financial situation and set savings goals, as well as guidance on how to consider important aspects such as diversification and risk assessment.
(in German)
In this video, Alf discusses his retirement provision – openly, honestly, and a bit tongue-in-cheek. It's worth watching!
(in German)
Optimize your retirement provision with smzh – competently, confidently, and individually.
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.
Pillar 3a is restricted and offers tax advantages. However, 3a savings can only be used for specific purposes (e.g., retirement, inability to work, home ownership). Pillar 3b is unrestricted and not tied to a specific purpose.
Gainfully employed persons with a pension fund may pay up to CHF 7'258 a year into a 3a account (2025). Self-employed persons with no pension fund may pay up to 20% of their net income or a maximum of CHF 36,288.
Contributions toward pillar 3a reduce your taxable income and help close retirement provision gaps. They are an ideal complement to the 1st and 2nd pillar.
At least once a year or in case of significant changes in your circumstances, for instance due to marriage, childbirth, or a new job.
We analyze your current situation, develop personalized strategy, and accompany you in implementing that strategy.