Retirement savings account 3a

Provide for the future and save on taxes

With the retirement savings account 3a from PostFinance, you can build up assets for your future over the long term, while also saving on taxes.

Retirement savings account 3a: retirement provision with tax relief for employed persons

  • Fixed pension plan (pillar 3a)

  • Flexible contributions with no annual payment obligation

  • Advance withdrawal to finance home ownership or indirect amortization of a mortgage

  • Interest of 0.30% or attractive combination with pension funds

  • Attractive tax advantages: you can deduct annual deposits from your taxable income up to the statutory maximum amount.

  • Free account management 

     
  • Prerequisites

    To be eligible to make deposits, account holders must earn an income subject to AHV (contributions).

    Advantages for two-income households subject to AHV

    Both partners can have a retirement savings account 3a.

    Age at entry and redemption

    Women
    Age at entry: 18 to 64  
    Age at redemption: min. 59, max. 64
    Men
    Age at entry: 18 to 65 
    Age at redemption: min. 60, max. 65

    If you are in employment after the ordinary AHV 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 AHV retirement age has been reached. 

    Statutory maximum amounts 2017

    • Employed persons with a pension fund: max. CHF 6,768  per year
    • Employed persons without a pension fund: up to 20% of income from employment up to a max. of CHF 33,840 per year

    The retirement savings account 3a with e-finance

    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 be displayed and you will be able to make deposits. Customer documents for the retirement savings account 3a will be sent to you electronically.

    Combination with retirement funds

    You can invest all or part of your retirement assets in retirement funds. Select the right retirement fund for you from three 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.

  • Year in, year out

    You can deduct payments from your taxable income up to the statutory limits, and substantial tax savings mean you earn a higher overall return.

    Over the term

    Interest and investment earnings are exempt from income and withholding tax. Wealth tax is not levied on your retirement assets.

    On payout

    Retirement capital is taxed separately from other income at a reduced rate. With several 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.

  • An additional retirement savings account 3a is worth having:

    • The capital repayments can be spread over different years so as to reduce your tax-rate progression.
    • Use it as an account to finance the purchase of a home of your own.
  • Would you like to switch your current retirement savings account from another pillar 3a institution to PostFinance? Here’s what to do:

    New retirement savings account 3a with PostFinance

    Complete and print out an application form:

    Send the completed form to: PostFinance Ltd, Account Services Region Berne, Engehaldenstrasse 37, 3040 Berne, Switzerland

    Existing retirement savings account with PostFinance

    Complete and print out an application form:

    Send the completed form to your previous employee benefits institution.

  • Encouragement of home ownership (advance withdrawal)

    Finance the purchase of a home of your own with an advance withdrawal from your retirement assets. You may make an advance withdrawal every five years. Please note the statutory regulations.

    Payout of retirement assets

    Have your retirement assets paid out. Please note the statutory regulations.

    Beneficiary clause

    You would like to change the order of beneficiaries or specify beneficiaries. Please note the statutory regulations.

    Confirmation of gainful employment

    You can hold or open a retirement savings account 3a even after you reach statutory retirement age.

  • PostFinance offers the retirement savings account 3a as part of your fixed pension plan (pillar 3a) in cooperation with UBS Switzerland AG. The PostFinance Retirement Savings Foundation 3a was jointly established.

  • PostFinance Ltd offers the 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. The 3a funds that are deposited as savings are invested with PostFinance Ltd by the retirement savings 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 a customer has both a retirement savings account 3a and a vested benefits account with PostFinance Ltd, the maximum privileged protection of CHF 100,000 applies to both products together. 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 as per the usual legal procedure. 

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