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Private Pension – 3rd Pillar

Private Pension – 3rd Pillar

Come to us to plan the perfect pillar 3a private pension for your needs. You’ll have more time for the good things in life after retirement. Our private pensions offer many ways to maintain your standard of living in your golden years. We'll show you how to start capitalizing on the benefits today. 

Invest Today. Benefit Tomorrow

Our tip: Set aside a bit more than you technically have to. Later, you’ll have much more than you absolutely need. Supplement your government and occupational pensions with pillar 3a and start reaping the tax benefits today.

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Standard of living

In old age, you’ll have plenty of time. With a private pension, you’ll be able to fill this time with things you enjoy.

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Tax benefits

Enjoy the advantages of third pillar plans. Invest your money freely – and lower your tax bill.

home

Home ownership

Ownership provides security in old age. Become an owner. With a pension, you can lay the foundation for your own home.

The Choice Is Yours

You want to pursue a higher return? Or you put security first? We can provide the right retirement solution for whatever you need.

  • Securities – 3rd Pillar

  • Account – 3rd Pillar

Allow Us to Advise You

Allow Us to Advise You

We’ll sit down with you to find the perfect product for your needs. Discover what your options are.

Maximum Pillar 3a amounts in 2018

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:

6 768

CHF

Employed with 2nd pillar

33 840

CHF

Employed without 2nd pillar (20% of net income from gainful employment, up to a maximum of CHF 33,840)

Your Private Pension – 3rd Pillar

Your Private Pension – 3rd Pillar

Maintain your standard of living in retirement with our private pension.

A lot of things change when you retire. But your standard of living shouldn’t be one of them. Supplement your government and occupational pension with a 3rd third pillar pension account or safekeeping account, and you’ll have a sound financial future to look forward to.

Foundation for Home Ownership

Foundation for Home Ownership

If you own a home, you’ll be more independent in old age. So use your pension plan to pay for a home before you reach retirement. One way is to withdraw the funds you’ve built up in your 3rd pillar pension. We’ll work with you to find the best solution for you.

Indirect Repayment

You regularly invest capital in pillar 3a and then use the accumulated funds to pay off your mortgage when the contract ends.

Indirect Repayment
Anchor: disbursement
Withdrawing Pension Assets

Withdrawing Pension Assets

You don’t know what tomorrow will bring. Luckily, you don’t have to. Stay flexible with a private pension. You can withdraw your pension benefits early if you emigrate, draw a new disability pension or go into business for yourself, for example. You can also keep your private pension if you want to keep working after reaching retirement age.

Drawing a Pension Early

You can access your pillar 3a pension benefits as soon as you reach AHV retirement age. Or possibly even sooner, depending on the circumstances.

Three steps to your private pension

Open your new Pension account – 3rd pillar or Pension securities account – 3rd pillar easily and conveniently in Credit Suisse Direct or using the online form.

01

Account opening in CS Direct

If you use Credit Suisse Direct, you can complete the account opening directly – with no need for paper or a signature.

02

Enter your information

 

Log in with your user data, make your product selection, and enter your preferences on the next pages. Review your information and submit the application.

03

Use the account / safekeeping account

Once you have submitted the order, you will receive an order confirmation directly by PDF. In just a few days, you will receive confirmation of the account opening.

01

Open the online form

 

Click on "Open now" to open the online form.

02

Enter your information

 

Enter your details and preferences, review your information, select how you want to receive your documents, and then submit the online form.

03

Use the account / safekeeping account

You will receive the relevant documents by email or post, depending on the option you chose. Please sign these contract documents and return your application to us by post. In just a few days, you will receive confirmation of the account opening.

Save up for Retirement. Learn More

  

Your financial planning

Your financial planning

Life changes. With good financial planning, you’ll always be able to make the right decisions for whatever may come your way.

1 This is a preferential interest rate compared to the current interest rate for Credit Suisse (Switzerland) AG savings account products. The interest rate is variable.