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Private Clients - Switzerland

Payout Options

Because retirement plans enjoy tax privileges, the legislator imposes certain conditions on the withdrawal of Pillar 3a retirement assets.

Pillar 3a retirement assets fall due when you reach the statutory retirement age* or, if you continue to work, up to five years later. Swiss law permits early withdrawal of Pillar 3a capital in the following situations:

Early Payout

  • At the earliest 5 years before you reach retirement age
  • For purchasing owner-occupied residential property
  • For repaying a mortgage on owner-occupied residential property
  • When becoming self-employed
  • When a self-employed person changes their line of work
  • When leaving Switzerland for good (emigration)
  • For purchasing pension fund benefits
  • When drawing a full disability pension
  • In the event of death, to the beneficiaries

Taxation on Payout

When your retirement capital is paid out, it is taxed at a lower rate and separately from other income.

*The statutory retirement age is 65 for men and 64 for women.

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