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.

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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 2024

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:

7 056 CHF

Em­ployed with 2nd pil­lar

35 280 CHF

Em­ployed without 2nd pil­lar (20% of net in­come from gain­ful em­ploy­ment, up to a max­imum of CHF 35 280)

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

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.

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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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