3a Account vs. Taxable Investing

Compare locking money in pillar 3a against investing the same net amount freely.

3a net capital after withdrawal taxCHF 284’130

3a net capital after withdrawal tax – depending on Years (years)

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Contribution limits, how to choose between a bank account and securities, and how to cut tax on withdrawal.

AHV, pension fund and private savings: how the three pillars work together and what each one gives you.

Contribution years, average income, the scale 44, early and late retirement and the 13th pension.

Your maximum 3a contribution and the tax you save by paying it in.

Project your 3a capital with regular annual contributions.

See how splitting 3a accounts over several years lowers the capital withdrawal tax.

Voluntary purchases into your pension fund are tax-deductible.

Turn your retirement capital into an annual pension using the conversion rate.

Rough estimate of your monthly AHV old-age pension from your contribution years and average income.