- Achieve higher returns over the long term
- Low fund management costs
- Option to switch between retirement funds
With the retirement savings account 3a from PostFinance, you can build up assets for your future over the long term and also save on taxes. You decide when and how much you pay in.
Flexible contributions with no payment obligation
Save on taxes every year
Purchase a retirement fund with retirement savings account 3a and pursue a returns-oriented saving strategy
Finance home ownership or indirect amortization of a mortgage
Free account management
With e-finance, you can open your retirement savings account 3a quickly and easily with just a few clicks. The next time you log in, your newly opened account will then be displayed and you will be able to make deposits. All customer documents for the retirement savings account 3a will be sent to you electronically.
Would you like to switch your current retirement savings account from another pillar 3a institution to a new retirement savings account 3a at PostFinance?
For tax reasons, it may make sense to spread your pension assets over several pillar 3a retirement solutions. This is because the retirement capital is taxed at a reduced rate when it is paid out. By distributing the inpayments across several retirement accounts 3a, the lump-sum payout in old age (for women from age 59, for men from age 60) of the individual accounts can be staggered over several years and the tax-rate progression can be interrupted.
You open an additional retirement savings account in the same way as for a new retirement savings account.
With your retirement savings account 3a, you save three times as much in taxes.
You can deduct your payments from your taxable income up to the statutory limits, and substantial tax savings mean you earn a higher total return.
For persons subject to withholding tax: payments into pillar 3a can only be taken into consideration for tax purposes if a retroactive standard assessment is carried out. Check with a tax expert to find out whether it is worthwhile paying into pillar 3a.
Interest and investment earnings are exempt from income and withholding tax. Wealth tax is not levied on your retirement assets.
Retirement capital is taxed separately from other income at a reduced rate. With additional retirement savings accounts, you can spread the capital repayments over several years so as to reduce your tax-rate progression. Please note the rules in your canton of residence.
To be eligible to make deposits, account holders must earn an income subject to OASI (contributions).
Age at entry: 18 to 64 years
Age at redemption: min. 59, max. 64 years
Age at entry: 18 to 65 years
Age at redemption: min. 60, max. 65 years
You can invest all or part of your retirement assets in retirement funds. Select the right retirement fund for you from four options, based on your personal investor profile. You pay no issuing and redemption commission. The easiest way to create fund orders is in e-finance or by sending a written order.
The retirement funds saving plan can be set up during a consultation, on your own using an order form or directly in e-finance. It enables you to make regular inpayments to the selected funds at half-monthly, monthly, two-monthly or quarterly intervals. You can invest in a PostFinance Pension Fund from as little as 20 francs.