You decide the amount and timing of the contributions yourself as part of the tax-qualified provisions – plus how much goes into a pillar 3a account and into securities. Optional risk protection allows you to opt for added security at any time.

Pillar 3a provisions in a nutshell

Swiss Life 3a Start offers you a self-determined and flexible way to plan for the future: you can combine your investment freely in securities and on an account. You can therefore combine the security of an interest-bearing account with the higher potential returns that securities offer. As a result, you have the greatest possible flexibility for your contributions. And depending on your needs, you can also add the savings target guarantee protection offered by insurance cover.

The advantages of a pillar 3a

  • Save on taxes: you can deduct your contributions from your taxable income. The assets are taxed at a reduced rate when they are paid out.

  • Flexible contributions: there are no fixed contributions – you determine when and how much you want to contribute.

  • Flexible distribution: you determine what share of your contributions is invested in securities and what share will be credited to your account. You can change this distribution at any time.

  • Flexible savings target guarantee: depending on your needs, you can add, remove, increase or decrease the savings target guarantee.

  • Attractive net returns: the Swiss Life 3a Start pension custody account uses investment groups of the Swiss Life Investment Foundation. These are otherwise exclusively reserved for institutional investors and provide a particularly promising net return in comparison.

  • Stable interest rate: an interest rate of 0.0% currently applies.

 

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More about pillar 3a provisions

  • You choose how much to allocate to an account and how much to securities

  • Contributions possible up to the maximum annual amount in pillar 3a, investment in attractive securities solutions with low fees

  • Guarantee of the savings target in the event of inability to work due to illness or accident

  • Flexible addition or removal of the guarantee possible

  • The level of the guarantee can be selected and changed flexibly 

Yes, like a normal disability pension the annuity is subject to income tax.

Yes, individuals may open multiple Swiss Life 3a Start accounts.

The following strategies are available with Swiss Life 3a Start:

  • BVG-Mix 15: The strategic equity component is 15%, with a maximum of 20% invested in equities.
  • BVG-Mix 25: The strategic equity component is 25%, with a maximum of 35% invested in equities.
  • BVG-Mix 35: The strategic equity component is 35%, with a maximum of 45% invested in equities.
  • BVG-Mix 45: The strategic equity component is 45%, with a maximum of 50% invested in equities.
  • BVG-Mix 75: the strategic equity component is 75%, with a maximum of 85% invested in equities.
  • BVG-Mix Index 15: The strategic equity component is 15%, with a maximum of 20% invested in equities.
  • BVG-Mix Index 25: The strategic equity component is 25%, with a maximum of 35% invested in equities.
  • BVG-Mix Index 35: The strategic equity component is 35%, with a maximum of 45% invested in equities.
  • BVG-Mix Index 45: The strategic equity component is 45%, with a maximum of 50% invested in equities.
  • BVG-Mix Index 75: the strategic equity component is 75%, with a maximum of 85% invested in equities.

Would you like to know which investment strategy suits your risk capacity and appetite? Draw up an investor/risk profile with one of our advisors!

Early withdrawals are only possible in certain exceptional cases:

  • Taking up self-employment provided you are no longer affiliated to a pension fund
  • Purchase, construction or renovation of your own home
  • Repayment of a mortgage on your own home
  • Permanently leaving the country
  • Receipt of a full disability pension, if your pillar 3a does not cover disability benefits

Special tax regulations and some reporting obligations apply in the case of an early withdrawal.

Product comparison

  • Promising 3a bank savings with flexible savings target guarantee

    Swiss Life 3a Start

    • Tax advantages
    • Free choice of payment schedule and amount
    • Savings target guarantee optional
    Request advice

  • Promising savings with guarantee

    Swiss Life FlexSave Duo

    • Guarantees and potential returns
    • Benefit from index developments
    • Protection of profits
    Find out more

  • Fund unit-linked investments offering potential return and risk protection

    Swiss Life Opportunities Duo

    • Free combination of funds
    • Can be structured in a number of ways
    • Tax-optimised investing
    Find out more

All pillar 3a products