Pillar 3a & Retirement
start early, save smart, reduce taxes
Pillar 3a is one of the easiest ways to save on taxes while planning for retirement. We'll show you how to make the most of it.
Why you should start now
Pillar 3a isn't a "later" topic. The earlier you start, the more you benefit – and it pays off immediately on your taxes.
The earlier you start, the more you benefit from the compound interest effect.
You can deduct up to CHF 7,258 (2026) from your taxes every year.
With little per month, you build considerable wealth over the long term.
You secure your future – independent of AHV and pension fund.
We'll show you how to achieve a lot with little effort – step by step.
What many people get wrong:
"I'm still too young for retirement planning."
Someone starting at 25 instead of 35 ends up with almost double the amount – with the same contributions.
"It's not worth it with my income."
Even CHF 200 a month brings over CHF 200,000 over 40 years – plus tax savings every year.
"Pillar 3a is only for the rich."
On the contrary: the tax effect is especially noticeable for middle incomes.
"I'll do it later, once I earn more."
Every missed year costs you thousands in potential wealth.
We'll help you avoid these mistakes – and get the maximum out of it.
What you really need
No complicated products – just what makes sense for you:
A 3a solution that fits you
Account or securities? We'll show you what makes sense for your situation.
A realistic savings amount
Not the maximum amount, but what you can afford – consistently.
A suitable investment strategy
Your time horizon is long – use it for more return instead of a savings account.
Knowledge of the tax benefit
Understand exactly how much you save every year – and how to make the most of it.
Together we'll find the solution that fits you.
How we support you – step by step
From the first question to the finished solution.
Initial conversation: your starting point
What do you earn? What's left over? Do you already have a pillar 3a?
Analysis & calculation
We calculate your tax savings, the optimal amount and the best solution.
Concrete recommendation
You get a clear proposal: provider, strategy, monthly amount – all explained.
Simple implementation
We support you when opening it – digital, uncomplicated, no paperwork.
What you'll know after the conversation
You'll have clarity about:
How much tax you can save each year
Which 3a provider suits you best
Whether a savings account or securities makes more sense
How your wealth will develop until retirement
When and how you can withdraw the money later
In short: you know exactly what to do – and why it's worth it.
Frequently asked questions about pillar 3a
Personal consultation
We're here for you
Start with your pillar 3a now
Let's find out together how much you can save – free and with no obligation.
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