Pillar 3 easily explained

How do private pension schemes work in Switzerland? Here you can find out everything you need to know about pillar 3. Banking and insurance solution – explained in easy and understandable terms.

For persons with a pension fund
Maximum pillar 3a amount for 2024

CHF 7'056.00

For persons without a pension fund
Maximum pillar 3a amount for 2024

CHF 35'280.00*

* Deposit of 20 per cent of earned income into pillar 3 up to the maximum amount.

3a account or securities solution?

Decide according to your needs. 

For whom

Account

Security-oriented persons

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Risk

No risk of loss

Return

The interest rate is defined and can be adjusted at any time; interest rates are very low at the moment

Deposits

The amount deposited is credited in full

Fees

None

Closure

According to legal provisions

Switch to a different provider

Pension assets can be transferred at any time

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Custody account

Opportunity-oriented persons

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Risk

There is a risk of loss as the return is not known in advance

Return

There are higher return opportunities, but price fluctuations need to be expected

Deposits

The amount deposited is used to purchase fund units

Fees

Standard fund costs (TER) for strategy funds

Closure

According to legal provisions

Switch to a different provider

Before pension assets are transferred, the fund units must be sold

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Save flexibly and save taxes too

Is security the number one priority for you, without any risk of loss? Tellco Pension solutions 3a offers you the opportunity to securely and profitably invest your restricted pension assets over the long term. You benefit from preferential interest rates without bearing an investment risk. Of course, you can use your balance – or even only part of it – to finance owner-occupied residential property. What is more, you also benefit from attractive tax savings. You’re not obliged to do anything: you can transfer your pension assets to another account at any time.

1,60%

Interest rate p.a. (as of 1 February 2024)

Yield-oriented saving for old age

Would you like to invest your pension assets profitably? In addition to the account solution, Tellco Pension solutions 3a also offers you the option of investing your assets in securities. The investment opportunities predominantly comprise collectively managed capital investments that are admitted for distribution in Switzerland by the Swiss Financial Market Supervisory Authority FINMA.

Create your own investment strategy. Our Tellco Pension solutions 3a include four different core strategies with equity weightings of between 0% and 100%. The funds all have a very efficient risk / return profile.

To strategy & investments 3a

Risk

Return

Deposits

Fees

Closure

Switch to a different provider

No risk of loss

The interest rate is defined and can be adjusted at any time; interest rates are very low at the moment

The amount deposited is credited in full

None

According to legal provisions

Pension assets can be transferred at any time

There is a risk of loss as the return is not known in advance

There are higher return opportunities, but price fluctuations need to be expected

The amount deposited is used to purchase fund units

Standard fund costs (TER) for strategy funds

According to legal provisions

Before pension assets are transferred, the fund units must be sold