Our pillar 3a solutions help you prepare for a self-determined life in retirement: you can boost your retirement income, close any potential pension gaps and benefit from tax advantages.

Find the right pillar 3a solution

Savings and risk insurance

with return opportunities from real estate investments

Pillar 3a can be combined with pillar 3b

Swiss Life Immo Elements Duo

Would you like to protect yourself and your family against the financial consequences of disability or death? Swiss Life Protection helps safeguard your loved ones from any resulting financial hardship.

Savings insurance essentially consists of two components: the savings component allows you to build wealth to provide for life after retirement, finance a home purchase or to fulfil a personal life goal. At the end of the contract term, the accumulated savings will be paid out to you.

But what if something happens to you during this savings period? If you become disabled or even die? Then the second component of savings insurance applies: individual risk coverage against the risks of death and/or disability.

This way, you can enjoy peace of mind knowing that your savings plans stay on track and that you and your loved ones are financially protected, whatever life may bring.

You can deduct the contributions to pillar 3a from your income on your tax return in full. Depending on your canton of residence, income level and the amount contributed, this can reduce your annual tax bill by up to CHF 2000. At the same time, you will be preparing for your financial future. So contributing is a good idea in every respect.

The maximum amount you can contribute to pillar 3a each year is currently CHF 7258 (2025). If you are self-employed and not affiliated with a pension fund, you can contribute up to 20% of your net income, up to a maximum of CHF 36 288 each year. 

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