Pillar 3a – save taxes, secure your future
Restricted pension is one of the most effective tax optimization instruments in Switzerland.
Pillar 3a is the restricted pension of Switzerland's third pillar. Contributions are fully deductible from taxable income, making it one of the most powerful tax optimization instruments available. Solidwave helps you choose the right solution between bank savings and insurance.
Maximum contribution 2026
Employed persons with a pension fund can contribute CHF 7,258 per year. Self-employed persons without a pension fund can contribute up to CHF 36,288, capped at 20% of net income.
Bank savings vs. insurance solution
Bank savings offer flexibility and lower costs. Insurance solutions combine savings with risk coverage for death or disability – but with a longer commitment period.
Withdrawal earliest 5 years before retirement age
The assets are locked until withdrawal. Early access is only possible in specific cases: home ownership, self-employment, emigration, or five years before the statutory retirement age.
Splitting across multiple accounts
By distributing funds across multiple 3a accounts, you can significantly reduce your tax burden through staggered withdrawals. We plan the optimal account structure for you.
What We Offer
- ✓Comparison of bank and insurance solutions from multiple providers
- ✓Tax strategy optimization with Pillar 3a
- ✓Planning the ideal account structure for staggered withdrawals
- ✓Annual review and adjustment of your pension strategy
Ready for independent advice?
Contact us for a free and non-binding initial consultation. Together, we will find the optimal solution for your insurance needs.
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