Maximum amount

Paying in the maximum amount possible is key to securing the largest possible tax savings.

New maximum amount for payments for 2025

• CHF 7,258 for individuals with a pension fund
• 20% of earned income or a maximum of CHF 36,288 for individuals without a pension fund

Go about Savings 3a the right way

• Payments into Pillar 3a can make sense even with smaller amounts. What ultimately makes the difference is not just the interest or other types of return, but above all how long and how regularly payments are made. Use the pension fund calculator to find out how your assets can develop over the long term.
• If you want to invest your 3a assets in securities, stagger your payments on a monthly basis by paying through a standing order. Spreading your payments in this way means you will even out any losses over the year. Securities-based saving is significantly more profitable than a Savings 3 account in the longer term: ZugerKB Investment Advisory Savings 3 is an ideal choice here.
• Open several 3a accounts so that you can withdraw funds on a staggered basis in old age.
• Pillar 3a is an important supplement to benefits from Pillars 1 and 2, enabling you to close pension gaps and enjoy tax advantages.
• A straightforward Savings 3 account allows you to earn interest.
• If you invest your capital and save via securities, you have greater return opportunities over the long term and can thus continue to build up your assets.

The accumulated capital can be drawn at various points in your life: the savings can be used to purchase owner-occupied residential property or to take up self-employment. In addition, the tied 3a assets can be withdrawn early if you leave Switzerland definitively. In this case, however, you should be mindful of possible tax consequences (withholding tax in Switzerland and potential tax in the new country of domicile). It’s always best to take advice from an expert before withdrawing 3a assets.