Pillar 3a Comparison 2026

Plan wisely and save taxes every year. With Compando, you’ll find the 3a solution that really fits you – transparently and independently.

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What is Pillar 3a?

Simply put: Pillar 3a is your private, state-subsidized retirement savings plan. It is the smart complement to your AHV and pension fund and helps you take control of your financial future.

The principle is simple: you save for later, and the state rewards you today. How exactly? Here are the four biggest benefits:

Benefits of Pillar 3a

Close retirement gaps

AHV and the pension fund often cover only the essentials. With Pillar 3a, you can specifically close the gap to your accustomed standard of living and secure your financial independence in retirement.

Save taxes every year

Every franc you contribute to Pillar 3a reduces your taxable income. You decide annually how much to contribute up to the maximum amount and benefit directly from lower taxes.

Build wealth

Instead of just parking your money, you can invest it using securities solutions. This allows you to benefit from higher return opportunities and the powerful compounding effect, which accelerates your wealth growth over the years.

Finance home ownership

The capital in your Pillar 3a isn’t only for retirement. Use it to buy a home or cleverly amortize your mortgage to maximize interest deductions and save taxes over the years.

Still have questions? Our retirement experts are here to help personally.

Work with us to find the strategy that truly fits you and your goals. You choose how: conveniently online or in a face-to-face consultation – non-binding and free of charge.

Your personalized retirement solution in 3 steps

We start with the most important: you. Together, we analyze your life situation, your wishes, and your financial goals.
Based on the analysis, we determine your investment type and show you transparently how your wealth can grow.
You receive a concrete proposal and make the final decision. We take care of the implementation and, if you wish, continue to support you in the future.

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Frequently Asked Questions

Here you will find answers to the most frequently asked questions about Pillar 3a in Switzerland.

Depending on your income and canton, you can save between CHF 1,000 and CHF 3,000 in taxes annually – often more with a high income.
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Use October and November to check your new premium and switch early – the cancellation deadline is November 30th.
You can transfer your balance to another Pillar 3a account at any time. The transfer is free of charge and tax-neutral.
Yes, there is no legal limit to the number of accounts, and it is recommended to open multiple accounts. By having multiple accounts, you can stagger withdrawals and thus save on taxes.
The assets from the Pillar 3a can generally be withdrawn at the earliest five years before the ordinary AHV retirement age – for example, if you retire early or reduce your employment. The withdrawal must be made at the latest five years after reaching the retirement age.
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Under certain conditions, an early withdrawal before retirement is also possible. This applies, for example, if you purchase or renovate residential property for your own use, start a self-employed business activity, or permanently emigrate from Switzerland. In these cases, you can use your 3a assets in whole or in part earlier – always within the framework of the legal provisions.
Yes. The new rule is: From 2026, gaps from the year 2025 can be made up retroactively, for a maximum of ten years back. Prerequisite: You have already paid the annual maximum amount in the year you are making the back payment and had AHV-liable income in the gap year.
No, the assets in the Pillar 3a are not considered as wealth for the purpose of wealth tax during the saving phase, which represents an additional tax advantage.
Fund or ETF solutions involve market fluctuations but offer higher return opportunities in the long term. With a long investment horizon, the principle is: risk is spread, and the potential for returns increases.
Our Pillar 3a comparison is 100% free and non-binding. You only provide a few details – and receive suitable offers from Swiss providers.
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