Household
Decide whether pillar 3a is for you
Overview
A private pension with its own rules.
The question you never knew to ask“Is a pillar 3a account worth it for me?”
Why it matters
Whether it suits you depends on your situation.
Does this apply to me?
Your circumstances: Canton Bern, B permit, mixed nationalities, family with children, moving with a partner, arriving soon
Because Maya works in Switzerland.
When?
Once you work in Switzerland.
What do I need?
Nothing to prepare beyond your own notes.
What do I do next?
- Don't skip learning how pillar 3a works for your circumstances. It is easy to put off for years.
- Read the official information on pillar 3a.
- Compare providers.
- Decide, and note it in your plan.
Official guidance
Read official guidance from the Swiss authorities' joint information site (federal, cantonal and communal):
ch.ch: the 3rd pillarRead official guidance from the Federal Social Insurance Office (FSIO):
BSV (Federal Social Insurance Office): which contributions can I pay into pillar 3a? (German)Read official guidance from the Federal Social Insurance Office (FSIO):
BSV (Federal Social Insurance Office): the third pillar (German)
Useful resources
Our guide: Tax and pillar 3a