To be deducted in that tax year, payments via Digital Banking must be received in the retirement savings account no later than 31 December. You can make payments at the bank counter until 22 December.
Tip: If you deposit the maximum amount at the beginning of the year, you’ll benefit from the preferential interest rate throughout the year.
It makes sense to have multiple 3a accounts so you can withdraw your pension capital in stages and also save on taxes depending on your canton.
A rule of thumb: if you have saved around CHF 50,000 in a 3a retirement account, it makes sense to open an additional account. Please note that any amounts you have already deposited cannot later be distributed among several retirement savings accounts.
If you’re already our client, you don’t even need to visit a branch – you can open a retirement savings account yourself in E-Banking.
Invest your retirement savings in a pension fund. Your savings will be invested in equities, bonds and real estate. In this way, you secure higher potential returns in the long term.
You are not contractually obligated to make an annual pillar 3a deposit. You can decide on how much you want to pay in, but you may not exceed the maximum specified in the current calendar year.
Paying into pillar 3a is worth your while. Save hundreds of francs in taxes, depending on your place of residence and how much you deposited. The more you pay in annually, the more you save on your taxes.
You may deduct the annually deposited amount from your taxable income.
The assets saved up in pillar 3a are exempt from income tax during the term.
Interest and capital gains are exempt from income tax.
When your retirement savings are paid out, they’re taxed separately from income, at a reduced rate.
If you withdraw your 3a assets in stages, you can keep the tax rate even lower.
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