Save Today. Relax To­mor­row.

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.

Call now +41 848 880 844

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.

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.

Tax be­ne­fits

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

Home own­er­ship

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

Max­imum Pil­lar 3a amounts in 2025

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:

7258 CHF

Em­ployed with 2nd pil­lar

36'288 CHF

Em­ployed without 2nd pil­lar (20% of net in­come from gain­ful em­ploy­ment, up to a max­imum of CHF 36288)

Op­tim­ize pen­sion plan­ning in a snap from your smart­phone

Ready to op­tim­ize your 3rd pil­lar while sav­ing on taxes? Thanks to CSX Pen­sion, you can open a Pen­sion ac­count – 3rd pil­lar dir­ectly from your smart­phone. Then choose from our wide range of se­cur­it­ies solu­tions to find the right in­vest­ment group for your risk pro­file and in­vest­ment ho­ri­zon. Profit from all that CSX Pen­sion of­fers.

Visual guide with screen­shots for CSX Pen­sion (PDF)

Try it now in on­line and mo­bile bank­ing

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Allow Us to Ad­vise You

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

Call now +41 848 880 844

Draw­ing a Pen­sion Early

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

• 5 years before retirement
• Home purchase
• Mortgage repayment
• Starting a business
• Changing industries
• Emigration
• Purchasing pension benefits
• Disability pension

5 years be­fore re­tire­ment

Want to start draw­ing your pil­lar 3a pen­sion be­ne­fits be­fore re­tir­ing? You can – start­ing five years be­fore reach­ing AHV ref­er­ence age.

Home pur­chase

You want to own your very own home. To achieve this dream, you use the money in­ves­ted in your pen­sion as col­lat­eral or with­draw it early, provided you will be liv­ing in the prop­erty.

Mort­gage re­pay­ment

In­stead of pay­ing a mort­gage off in in­stall­ments (dir­ect re­pay­ment), you pay it off with a single bal­loon pay­ment on ma­tur­ity using the funds built up in your pen­sion plan (in­dir­ect re­pay­ment).

Start­ing a busi­ness

You want to go into busi­ness for your­self. Take funds out of your pil­lar 3a pen­sion in order to set up your own busi­ness.

Chan­ging in­dus­tries

You’re already self-​employed, but want to change in­dus­tries. With­draw the funds in your pil­lar 3a pen­sion early and use them as seed cap­ital.

Emig­ra­tion

You want to leave Switzer­land for good. You can get off to a bet­ter start in your new home­land by tap­ping the funds in your pil­lar 3a plan early.

Pur­chas­ing pen­sion be­ne­fits

You want to use your private pen­sion to bridge a short­fall in your oc­cu­pa­tional pen­sion. All you have to do is with­draw tied cap­ital from pil­lar 3a early and trans­fer it to your pen­sion fund.

Dis­ab­il­ity pen­sion

You’re draw­ing a full dis­ab­il­ity pen­sion, but not col­lect­ing any dis­ab­il­ity in­sur­ance be­ne­fits under a pil­lar 3a plan. In this case, you can with­draw tied cap­ital from your private pen­sion.

Save up for Re­tire­ment. Learn More

  

2nd pil­lar ves­ted be­ne­fits

The best way to in­vest your 2nd pil­lar ves­ted be­ne­fits.

2nd pillar vested benefits

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.

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