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

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    Save up to CHF 2000 in taxes annually

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    60% of the working population regularly pays into the 3rd pillar

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    Attractive, affordable investment solutions with convincing long-term returns

In a nutshell

Swiss Life 3a Start offers you a reliable and flexible way to plan for the future: combine your investment in securities and on account as you wish. This allows you to have 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 risk protection offered by insurance cover.

Your benefits at a glance

  • 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 is 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 savings custody account uses Swiss Life Investment Foundation investment groups that are otherwise restricted to institutional investors, which enables especially attractive net returns.

  • Stable interest rate: the current interest rate is 0.1%.


Make an appointment for a consultation

Want to learn more about Swiss Life 3a Start or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation.

Make an appointment for a consultation

Want to learn more about the Swiss Life FlexSave Duo product or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.

You’re just two clicks away from your pillar 3a consultation!

We will be happy to advise you in a non-binding 15-minute phone conversation.

More about the product

  • You choose how much of the contributions go into an account and how much are invested in securities

  • Contributions are possible up the annual maximum amount in pillar 3a; invest 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. The annuity is subject to tax like a normal pension in the event of inability to work.

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.

You can determine the investment strategy that matches your risk capacity and appetite by creating an investor/risk profile together with one of our advisors.

Yes, under some circumstances it is possible to pay your pension assets out early:

  • Early withdrawal (or pledge) for home ownership purposes

  • If you leave Switzerland permanently (emigration), with restrictions related to EU/EFTA countries

  • Five years before reaching normal retirement age at the earliest

  • If you become self-employed

  • Switching from self-employment to a different form of employment

  • Receipt of a full disability pension from disability insurance

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
  • Promising savings with guarantee

    Swiss Life FlexSave Duo

    • Guarantees and potential return
    • Benefit from index developments
    • Protection of profits
  • Fund-linked savings offering potential return and risk protection

    Swiss Life Premium Vitality Duo

    • Good potential return
    • Defined payment schedule and amount
    • Free fund selection