Pension provision with pillar 3a 2026

The Swiss pension system offers with the 3rd pillar an excellent opportunity to invest in your own future. Your voluntary contributions to pillar 3a are tied up until you retire, buy a house or become self-employed.

The state even supports your personal responsibility here by granting you the Income tax on the contributions paid in reimburses will be. Another advantage is the freedom of choice with pillar 3a. You decide which bank or insurance company you want to invest your money with.

While older generations still invested their money in interest-bearing accounts, this is no longer the case with today's generation. Interest rate situation only makes limited sense. We have listed, tested and compared which solutions are particularly worthy of attention from our point of view.

Our top 3 partner offers for the 3rd pillar

Frankly - ZKB

Selma Finance

Finpension

Shares in the 3rd pillar?

Especially for young people, say until the age of 50 😊, make Securities (shares) in the 3rd pillar makes sense. Because while interest accounts currently yield a maximum of 1-2% interest, inflation is already significantly higher. So your money loses value every year.

The stock markets are not only going up, but it has been proven that a profit after about 10-15 years, irrespective of the time of entry. can be recorded.

Those who invest everything in shares at the age of 60 and want to withdraw their money a short time later may be in a bad position, depending on the market situation. But those who still 10, 20 or 30 years time to occupation of his pension money, he can also "ride out" fluctuations on the stock market and achieve long-term profits.

As you get older, the proportion of shares is slowly reduced and nothing stands in the way of your pension.

Sounds complicated to you? Don't worry, the providers we have selected are easy to understandThey are reputable and offer first-class support. Sustainable investment is also offered, so you invest your money only in "clean" companies.

Long story short. Shares in the 3rd pillar?

Yes, please!

Pillar 3a recommendation: Frankly

Uncomplicated, extremely cheap and digital - that's Frankly from ZKB.

Important information for your pillar 3a

Total costs

Yield is uncertain, fees are not! Every percent of fees must first be recovered. Therefore, pay attention to low total costs, because even a small difference in fees makes an enormous difference over a 20 or 30 year investment period!

Example: 0.5% fees, with a term of 25 years on CHF 6,000 paid annually into the pillar 3a, result in about CHF 11,000 in fees paid. So if someone wants to tell you "1.8% is cheap", think of this example.

Investment strategies

Favourable fees are one thing, a good investment strategy behind them is absolutely fundamental. This is where you should look closely when comparing the individual providers. After all, it's not just about the performance of your retirement savings account, but also how it is done.

Share quota

Supported by studies, more and more providers are opting for passive investment by means of Index funds and ETF's. Young anglers in particular demand a high share quota. Because young people tend to have more time until they want to pay off their investment. This means that you can take more risk and therefore use a higher share quota. Our top 3 are all well positioned here!

Sustainability

Win, yes, but at what cost? Sustainability is an issue for more and more people. Investments and retirement planning are increasingly taking this into account and offer corresponding opportunities. At Selma, for example, you can switch your pillar 3a to sustainability at the touch of a button. But the term sustainability is not precisely defined. In the individual reviews you can therefore find out more about the respective providers.