Pension provision with pillar 3a 

Pillar 3a, also referred to as tied pension provision, is a central element of private pension provision in Switzerland and effectively supplements OASI and occupational benefits. It provides an additional cushion so that you can remain financially flexible later on.  

Why combine pillar 3a with a fund account? 

A pillar 3a fund account allows you to benefit from the opportunities for returns in the financial markets. The use of investment funds allows you to spread the risk and exploit the potential of different markets and industries. Your pension assets can thus grow over the long term and generate returns. 

At the same time, the tax benefits are a big plus with a pillar 3a fund account. The annual contributions can be deducted from your taxable income, which reduces your tax burden. Even small contributions have a positive impact on taxes. And if you pay in the maximum contribution, the tax savings can already be considerable. When your fund account is paid out, the pension capital is taxed separately once at a special rate.

Calculate your tax savings now.

How do you invest with funds in pillar 3a?

The pillar 3a fund account from Helvetia is characterized by flexibility and a wide choice of funds. You choose from various strategy funds that aim to strike a balance between risk and return, in line with your needs. If your goals or market conditions change, you can easily switch funds. The various strategy funds entail varying weightings for the equity and bond components they contain. A smaller equity component can be expected to produce a lower level of volatility in value, whereas a larger equity component can be expected to produce a higher level of volatility. Accordingly, the investment risks and return opportunities vary too. 

Important information on your fund account payout 

You determine how long you will make deposits and when the time is right to withdraw. The fund account offers considerable scope for this under pillar 3a: ordinary withdrawal is possible five years before the ordinary retirement age. This makes it easier for you to plan the withdrawal of the capital, so that you can optimally distribute the taxes that are due. You can withdraw your capital early, for example, if you buy your own home, if you become self-employed, in the event of incapacity to earn or if you move abroad.   

Request tailored advice 

Regardless of whether you are already planning your pension or are still in the early stages, the pillar 3a fund account allows you to build up your pension capital individually and with a focus on returns. Did you know that the savings process can also be secured with savings insurance for funds? Helvetia's advisors are there for you and will help you to choose the pillar 3a fund savings solution that is individually tailored to yo