Pillar 3a is Switzerland's private pension savings scheme. Contributions are fully tax-deductible — it's one of the best tax optimisation tools available to employees and the self-employed.
How much can I contribute?
In 2024, employees can contribute up to CHF 7,258/year. Self-employed people without a Pillar 2 pension can contribute up to 20% of income, maximum CHF 36,288.
Finpension and VIAC
Finpension and VIAC are investment-focused 3a providers that invest your savings in globally diversified ETFs, outperforming traditional bank 3a accounts over time. Fees are lower than most banks.
When can I access the money?
Pillar 3a funds are locked until 5 years before retirement, or earlier if you: buy a primary residence in Switzerland, leave Switzerland permanently, or become self-employed.
This guide is for general information only and does not constitute professional legal, tax, or financial advice.