Save Today. Relax Tomorrow

We’ll analyze your financial situation to ensure the best-possible provision for retirement. Then, we’ll show you different ways to make sure you can maintain your standard of living when you retire. Enjoy all the benefits of a Credit Suisse pension solution.

Anchor: tax-benefits

Your Stage of Life. Our Pension Strategy

Your future starts now. Set up a private pension plan before starting your career and you’ll look to the future with confidence. We’ll help you find the right retirement solution for you.

Take tax breaks

Build a nest egg

With a private pension plan, you can plan for more than just a comfortable retirement. Set your goals today. Together, we’ll find the best way to reach them.

Make use of tax breaks

Build a nest egg

Provide for your family

Plan home ownership

Plan a business start-up

Plan retirement

You’re responsible for a lot of things as a business owner. Including your future. With a private pension plan, you can rest easy knowing you’ve taken care of everything. Contact us for more details.

Make use of tax breaks

Build a nest egg

Provide for your family

Plan home ownership

If you temporarily leave the job market, it’s a good idea to think about the future. A private pension solution can help you make up for shortfalls in your retirement provisions. Ask us for details. We’ll be happy to advise you.

Build a nest egg

Plan a business start-up

Provide for your family

Plan home ownership

Make sure that your life stays as comfortable as you want after retirement. You can maintain your standard of living in retirement with a private pension. We’ll work with you to identify your ideal pension provision strategy.

Make use of tax breaks

Plan retirement

Plan your estate

Anchor: maximum-sum

Reduce Your Tax Bill with a Private Pension

If you earn income that is subject to AHV contributions, you can deduct all pillar 3a contributions up to a certain limit from your taxable income.

Maximum deduction:

6 826

CHF

Employed with 2nd pillar

34 128

CHF

Employed without 2nd pillar (20% of net income from gainful employment, up to a maximum of CHF 34,128)

Anchor: save-on-taxes

Multiple accounts

Maintain multiple 3rd pillar accounts

In the case of Pillar 3a, in principle, multiple pension accounts can be maintained. This opens the possibility to close different Pillar 3a pension accounts in different years and thus potentially break the tax progression*. It may therefore be advisable to have two or three pension accounts. When retirement savings reach CHF 40,000, it may be worthwhile to open an additional Pillar 3a pension account.

_{*The exact treatment varies from canton to canton, therefore no guarantee is offered in respect of any of the statements made here. The above information does not result in any obligation on the part of our bank. We recommend that you seek individual advice regarding your financial situation from a qualified professional before taking any action based on this information.}

Select Your Pension Product

Vested benefits – 2nd pillar

Your pension fund assets will be well protected in our vested benefits account – 2nd pillar or safekeeping account – 2nd pillar if you take a sabbatical or leave the workforce entirely.

Private pension – 3rd pillar

A private pension opens up countless options when you retire.

Building Provisions in the 3rd Pillar

Switzerland has a three-pillar pension system. The 3rd pillar consists of private retirement plans that people take out for themselves. They are tax-sheltered, bridge pension shortfalls and compensate for the lack of occupational pensions for the self-employed.

1st pillar: state pension

2nd pillar: employee benefits insurance

3rd pillar: private pension

Your Life May Change. Start Saving Now

You can’t plan your life completely. But you can prepare for most things. We’ll work with you to find the pension solution that best suits your needs.

Early retirement

You want to retire early. Then retirement planning should be a top priority. We’ll help you plan your life after retirement so you can look to the future with confidence.

Family changes

Your life circumstances will change. Not to worry. We’ll help you prepare financially for events you don’t see coming. Together, we’ll find a solution that works for you.

Home purchase

You want to live the dream of home ownership. You can lay the foundations today. We’ll help you reach your goal as quickly as possible.

PDF Moving

Death or legal incapacity

Protect yourself in the event you become legally incapacitated – and protect your family from the risk that you may no longer be there one day. Ask us for details. Together, we'll find a solution.

PDF Advance directive

Part-time employment

Smaller contributions from part-time work reduce your pension provisions. Make up for the shortfall with a private pension plan. We’ll be happy to advise you.

Business owners

You’re responsible for a lot of things as a business owner. Including providing for your retirement. We’ll work with you to find the best strategy, so you can enjoy a worry-free life when you retire.

Anchor: retirement-planning

Analysis

Your personal advisor analyzes your personal and financial situation with you. His or her goal is to align your pension strategy with your dreams, preferences and plans for the future.

Strategy development

Your personal advisor consults additional experts as needed and then develops a detailed pension strategy tailored to your unique needs.

Your personal retirement plan

Your personal advisor presents his or her proposed solutions to you and makes sure that they still meet your expectations.

Schedule a consultation

Our Advice. Your Overview

Start planning your financial future today. In our financial consultation, we’ll analyze your personal situation using state-of-the-art financial tools and develop a custom solution together with you.

Learn more