- 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
Invest retirement savings account 3a assets in retirement funds 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 with just a few clicks. Choose between the interest-bearing version of your assets or (partial) investment in retirement funds. The next time you log in, your retirement planning solution will be displayed. 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).
The retirement savings account 3a is possible for each partner.
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
If you are in employment after the ordinary OASI retirement age, you can still open a retirement savings account 3a or make tax-privileged inpayments into pillar 3a. This applies up to a maximum of five years after the ordinary OASI retirement age has been reached.
When opening a retirement savings account 3a, you can select your preferred retirement solution: earn interest on the assets in your retirement savings account 3a, or invest all or part of your assets in retirement funds. Four retirement funds with different equity components are available for you to choose from. 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, independently via a fund order 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 CHF 20.
PostFinance Ltd offers retirement savings account 3a in cooperation with a partner. It has established the "PostFinance Retirement Savings Foundation 3a" with its partner, UBS Switzerland AG, especially for this purpose. Assets in retirement savings account 3a that are deposited as savings are invested with PostFinance Ltd by the Pension Fund Foundation. If PostFinance Ltd were to become insolvent, funds in retirement savings account 3a would enjoy privileged protection of up to CHF 100,000 per customer (regardless of other deposits). If an account holder simultaneously manages retirement savings account 3a assets and vested benefits assets via various foundations that invest the funds with PostFinance Ltd, the maximum privileged protection of CHF 100,000 applies to each product. Assets in retirement savings account 3a that are invested in funds are protected as segregated assets in accordance with the Collective Investment Schemes Act (CISA). If the "PostFinance Retirement Savings Foundation 3a" were to become insolvent, bankruptcy proceedings would be carried out according to the usual legal procedure.