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.

In brief

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.

Your advantages 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 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 0.25% currently applies.


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 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.

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!

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

  • Taking up self-employment

  • Switching from previous 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 returns
    • Benefit from index developments
    • Protection of profits
  • Fund-linked savings offering potential returns and risk protection

    Swiss Life Premium Vitality Duo

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