Targeted investment.
Plan effective
pension provision.
With Prosperity 3a

Accumulate wealth.
Save tax.

fund-linked pension solutions combine your pension plan with asset growth. So your money isn’t just spent – it’s working for you. Government-sponsored! Benefit from tax advantages and minimise progressive taxation on your income. A smart move for financial independence.

Close the pension gap.

Act today and enjoy peace of mind tomorrow. The state and your occupational pension only cover around 60 % of your final income. If you take care of your private pension provision early, you can close this gap. For your standard of living. Your dreams. And your loved ones.

Ensuring quality of life. Now and for the future.

Pillar 3a – the central pillar for individual pensions in all situations. It complements old-age and survivors’ insurance for employees and self-employed persons. Early pension schemes offer interest benefits and allow tax savings – a double benefit! The third pillar helps you to maintain your standard of living in retirement while also saving tax.

The tax benefits of Pillar 3a

  1. Tied pension provision (completion via insurance companies and/or banks)
  2. In the deposit phase, contributions paid in reduce taxable income
  3. No withholding tax: Interest payments on pension accounts are tax-free during the term
  4. Tax deductions remain possible until the age at expiry (maximum of five years after reaching the AHV age)
Maximum deductions 2026
Employees
Self-employed persons with pension fund

CHF 7'258

AHV contributors without a pension fund
Max. 20 % of the net income

CHF 36'288

Your benefits:

  • Make full use of intelligent tax benefits

    Significant tax benefits from a tied Pillar 3a pension plan

  • Create a home

    Advanced withdrawal for financing an owner-occupied home

  • Flexibility when it really matters

    Premium waiver in the event of incapacity to work due to illness or accident (6, 12 or 24 month-long waiting times)

  • Pension payments in case of emergency

    In the event of incapacity to work min. CHF 6'000, max. CHF 38'000 per year (12 or 24 month-long waiting times)

  • Can be adapted to suit life’s circumstances

    Premium increases, premium reduction and a premium pause are possible

  • Risk protection in the event of an emergency

    Individually selectable death benefit insurance up to 500 % of the total amount

Switch & Shift

New goals? Change your investment strategy! Shift investments from one fund to another in order to react intelligently to market change. Switch by changing the distribution of your future deposits to keep the portfolio up-to-date and tailored to you.

End-of-contract management

The parachute for your pension plan! If retirement is approaching, end-of-contract management ensures that your investments are transferred to low-risk investments. This protects your saved capital – ensuring you can glide into retirement with ease!

Rebalancing

Make sure you have a robust portfolio! If the value of your investments changes, it can affect your strategy. By rebalancing, you sell or buy investments to restore the desired split and manage the risk. An important process to achieve your financial goals.

Your independence

Flexible, individual and direct

Direct contact with your intermediary, top-ups and access to all documents — anytime in App & Customer Portal.

In constant focus

Your investments. Always visible.

Your money – your platform: see the current value of your portfolio and your growth forecast in your App & Customer Portal.

Digital convenience

Easy and functional

In your browser.
On your smartphone.
Always on your screen.

    Still have questions?

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    Download documents

    Ready to download: everything you need at a glance in the Information Hub.

    Protection for your loved ones

    Provide for the people who depend on you, whatever comes. Find out more about Prosperity Duo now.