Depending on the canton, you can save a lot of money by withdrawing money from your pension in stages, for example to pay off a mortgage or when you stop working. This allows you to reduce progressive taxation. Therefore, try to stagger withdrawals of your capital from pillar 3a, from your pension fund or, if applicable, from the vested benefits foundation. To do so, you will need several pillar 3a accounts, which can all be opened with the same bank. Open an additional pillar 3a account as soon as your existing one reaches around 50,000 francs.