Guide Pillar 3a

Pillar 3a

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  1. Young women could invest more in their tied pension provision

    Tied pension provision: Young women would have excellent prospects of a good retirement provision

    Many young, single women do not save much for retirement, even though they would have the financial means to do so. But this is important, especially when you consider possible career breaks later on. People who pay into the third pillar early and regularly can reduce pension gaps and maintain their usual standard of living in old age. Tied pension provision also provides opportunities for saving taxes and building wealth.

  2. Lower salaries and part-time work prevent women from paying into Pillar 3a

    Women would pay more into pillar 3a – if they could

    Lower incomes and more part-time employment are the main reasons that women pay into Pillar 3a less frequently than men. A current Credit Suisse study shows that, all things being equal, women would pay more into their private pension provision than men.

  3. Saving tax with Pillar 3a

    Multiple savings with Pillar 3a

    Significant tax savings can be achieved with Pillar 3a since the government provides tax incentives for deposits and payouts in order to promote 3a savings. With some skillful planning, you can enjoy multiple savings. We'll show you how.

  4. Maximum amounts pillar 3a

    Pillar 3a – Maximum Amounts for 2019

    Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. Those who do not want to give up their accustomed standard of living in their old age should therefore contribute to Pillar 3a every year. 

  5. For a happy retirement. Handelszeitung: The Big Pillar 3a Securities Comparison

    Handelszeitung: Major Comparison of Pillar 3a Securities

    Credit Suisse has been rated as "good" in the Handelszeitung's major comparison of Pillar 3a securities. The CSA Mixta-BVG Basic investment group was one of the products to top the ratings. This is the fourth year in a row that Credit Suisse has come out on top.

  6. 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?

  7. Performance Report Pillar

    Annual Report 2017 - Pillar 3a

    How was the 2017 stock market year from the perspective of the Credit Suisse Privilegia Pillar 3 pension foundation and how should the results achieved be evaluated? In the Annual Report - 2017 Pillar 3a you will also find out what developments are forecast for the 2018 stock market year.

  8. Pillar 3a: reducing taxes

    How Big Are the Actual Tax Savings in Your Region Thanks to Pillar 3a?

    The amount you can save in taxes with a tied pension provision varies from region to region. In their new study on private retirement provision, Credit Suisse's economists detail the regional differences of the various tax burdens.

  9. Pillar 3a: Start early and consistently make deposits

    Pillar 3a: It Pays to Start Early and Consistently Make Deposits – Even with Relatively Small Amounts

    In their new study on Pillar 3a, the economists from Credit Suisse demonstrate how assets in Pillar 3a can develop. Deciding factors not only include the interest or return level, but above all, how long and how regularly deposits are made.

  10. One third of the Swiss have no Pillar 3a

    Over a Third of the Swiss Working Population Have No Pillar 3a

    Who pays into Pillar 3a? And how much? In their new study, the economists at Credit Suisse have taken a closer look at the savings habits of the Swiss population in tied private pension provision. There are significant differences between the regions, for example: People from French-speaking Switzerland and Ticino use Pillar 3a less than German-speaking Swiss.