Guide Pillar 3a

Pillar 3a

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  1. Identifying AHV contribution gaps

    AHV Contribution Gaps – Everything You Need to Know

    Anyone with gaps in their contributions to the Federal Old Age and Survivors' Insurance (AHV) will end up receiving a lower pension. So, how do these much-feared contribution gaps actually come about? How do you spot them and what can you do about them?

  2. Voluntary pension provision buy into pension fund or pillar 3a

    Voluntary pension contributions: Should you pay into the second pillar or Pillar 3a? 

    Those who want to ensure financial security in retirement can take advantage of two voluntary provision options with tax benefits: buying into a pension fund or paying into Pillar 3a. The pros and cons of each option to enable you to make the right decision in your own situation. 

  3. Rocco Baldinger, Credit Suisse: Opening several Pillar 3a accounts can have tax benefits.

    Open several Pillar 3a accounts and possibly save taxes as a result

    People who pay their pension capital into different Pillar 3a accounts can save taxes in many cantons, because the capital can then be withdrawn gradually over several years. We reveal how many accounts it's worth having and over what period you can withdraw your capital. 

  4. Maximum Pillar 3a amount in 2019

    Maximum Pillar 3a amount in 2020

    Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. If you want to maintain your accustomed standard of living even in your old age, you should therefore contribute the maximum Pillar 3a amount every year. But what are the maximum Pillar 3a amounts for 2020?

  5. Securities-based savings: Secure long-term potential returns with Pillar 3a funds

    Securities-based savings: Pillar 3a funds provide the following benefits

    The private pension provision, known as the third pillar, supplements the government and employee benefits insurance. As an alternative to a pension account, securities-based savings are an attractive investment solution. Those who invest early in their pension provision improve the potential for larger returns by using Pillar 3a funds.

  6. What yoga has to do with AHV

    Why It's a Good Idea to Invest Five Minutes Every Four Years in Your Old Age and Survivors' Insurance

    Federal Old Age and Survivors' Insurance (AHV) is a somewhat neglected topic compared to the second and third pillars: Although it accompanies us throughout our lives, some insured people have unnecessary contribution gaps through insufficient knowledge. The result is that their pensions are appreciably lower. In most cases, spending five minutes on the subject every four years would be sufficient to avoid this.

  7. Seven proposals for dealing with falling pensions

    Pensions are falling: seven suggestions for your private pension provision

    Low interest rates, increasing life expectancy, and falling conversion rates – future generations will have to expect lower pensions. Private pension provision is becoming more important. We have put together seven suggestions that will help you to live as worry-free as possible in your retirement.

  8. Gaetano Cardillo, trainer for client advisors, Credit Suisse, on pension gaps

    Closing Pension Gaps – almost everyone is affected

    How do pension gaps arise, and how can you close them? We put these questions to Gaetano Cardillo, trainer for client advisors at Credit Suisse. His advice: The "pension gap" problem should be tackled at a sufficiently early stage. 

  9. The future of retirement provision

    The future of retirement provision

    The Swiss retirement provision system will face several challenges in the coming years. Jan Schüpbach explains in the video what new solutions in the area of Pillar 3a savings could work for the majority.

  10. Splitting the AHV, pension fund, and Pillar 3a upon divorce

    What happens to your AHV (Old Age and Survivors' Insurance), pension fund, and Pillar 3a if you get divorced?

    In the event of a divorce, the same principle applies to AHV, pension fund and Pillar 3a assets, namely that entitlements and assets earned during the marriage are divided up. However, this is done differently from pillar to pillar.