How confident are Swiss investors about the future?

Read our blogs to learn more about the importance of Pillar 3a and how it allows you to save on taxes while building additional retirement savings.

Everything about Pillar 3a

Not sure where to start? Open a demo account now and upgrade it to a live account later.

#72 Wie lange reicht mein Anlagehorizont in der Säule 3a?

Conventional wisdom suggests that the investment horizon for a pillar 3a account should be set for ages 60 to 65 – after all, that’s the typical timeframe for withdrawing funds. But does that always make sense? 

#72 How long is my investment horizon for pillar 3a?

#69 Wie gut ist mein Vorsorgegeld bei einer Bankenpleite geschützt?

When discussing the safety of bank deposits, the focus is usually on traditional liquid assets: the money in checking or savings accounts. But what actually applies to retirement savings, which are typically invested for the long term?

#69 How well are my retirement savings protected if a bank goes bankrupt?

#68 Neu in der Schweiz? So wirst du besteuert

People who move to Switzerland usually face a host of organizational challenges. One key issue that every expat eventually has to deal with is the local tax system. While the Swiss tax landscape is considered extremely attractive internationally, it has several unique features that are often unfamiliar to newcomers.

#68 New to Switzerland? Here's how you'll be taxed

A small additional return of a good 20 percent? What sounds almost too good to be true is possible thanks to pillar 3a and tax deductions.

Optimize your taxes with pillar 3a when building up your wealth

#59 Säule 3a fürs Eigenheim: Vorbezug oder Verpfändung?

Anyone who wants to realize their dream of owning their own home will sooner or later be faced with the question of optimal financing. Buyers of residential property can either withdraw funds from pillar 3a early or pledge them as collateral. Both options have different financial and tax implications that you should be aware of. 

#59 Pillar 3a for buying your own home: early withdrawal or pledging?

An analysis by the independent comparison service Moneyland shows: Although pension apps beat traditional pension funds on price on average, many digital providers still charge high fees.

Pillar 3a is ideal for long-term wealth accumulation through investments. It is important to have low investment costs and a competitive market interest rate here because not everyone is 100 percent invested in securities for the entire investment period. We compared the costs and interest rates of Swiss pension apps for 2025.

Comparison of interest rates for pillar 3a apps

#52 Nachträgliche 3a-Einkäufe: Was du unbedingt beachten musst

The government has relaxed the rules for Pillar 3a. From 2026, you will also be able to make retroactive contributions to your third pillar. This means that you can skip a year and make your contribution the following year. But is this really a smart move?

#52 Retroactive 3a payments: What you need to bear in mind

A switch to more securities and lower fees: changing your Pillar 3a takes just a few minutes – and pays off for the rest of your life.

Pillar 3a: Those who don't switch are giving away a fortune

Saving for private retirement significantly increases your retirement assets and offers tax advantages – not only when you contribute. What do you need to bear in mind when withdrawing your savings?

Everything you need to know about Pillar 3a withdrawals

Das Schweizer Vorsorgesystem ist einzigartig. Staat, Betriebe und Privatpersonen ergänzen sich beim Ansparen von Alterskapital und beim Versichern diverser Risiken.

Während die erste Säule (AHV, IV) stark reglementiert ist, haben die Versicherten in der zweiten Säule (Pensionskasse, Freizügigkeit) gewisse Spielräume. Viele Möglichkeiten gibt es in der dritten Säule.

Im aktuellen Coffee Break erfährst du mehr über die Aufgaben der einzelnen Säulen und wie man sie zum eigenen Vorteil nutzen kann.

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Hast du Fragen oder Anmerkungen? Hinterlasse dein Feedback in der Kommentarspalte oder schreibe uns eine E-Mail. Möchtest du mehr über online Vermögensverwaltung erfahren?

Dann besuche unsere Webseite:
https://www.truewealth.ch/?utm_source=vimeo&utm_medium=organic_social&utm_campaign=podcast_3_saeule_system_erklaert

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#investieren #truewealth #pensionierung

#45 Das 3-Säulen-System einfach erklärt

Pension provision in Switzerland is based on a three-pillar system that was approved by the population in a referendum in 1972. The aim of this model is to secure financial security in old age and maintain the standard of living as well as possible. The system also provides protection in the event of disability or the death of a relative. The three pillars – state, occupational, and private provision – complement each other.

With the third pillar, you can save on taxes, not just when you make a deposit. If you know how, you can also reduce your tax bill on the payout, often by more than 10'000 francs.

#40 Scheinbare Sicherheit: Die versteckten Kosten von 3a-Sparpolicen

Pillar 3a is an important instrument for retirement planning in Switzerland. It offers attractive tax benefits and helps to provide for old age individually, alongside AHV and the pension fund.

In practice, investors have two options: a classic pillar 3a account or a securities solution, or a Pillar 3a life insurance policy.

#40 Apparent security: the hidden costs of 3a savings policies

Dein Schlüssel zur finanziellen Vorsorge in der Schweiz!

Die Säule 3a ist ein zentrales Element der Altersvorsorge in der Schweiz. Sie bietet Steuervorteile und die Möglichkeit, individuell für die Zukunft vorzusorgen. 

In unserem Podcast erfährst du, warum die Säule 3a so entscheidend ist und wie sie deinen Lebensstandard im Ruhestand absichert.

Wir beleuchten: 
- die verschiedenen 3a-Lösungen
- die Vor- und Nachteile von Säule 3a Konten mit Bargeld sowie Säule 3a Konten mit Wertschriften
- die Besteuerung der Säule 3a und die strategischen Vorteile einer gestaffelten Auszahlung über mehrere Jahre

Zum Abschluss präsentieren wir eine innovative Lösung, die deine Säule 3a nahtlos in deine Vermögensverwaltung integriert, damit du dich nicht mehr darum kümmern musst.

Hör rein und entdecke, wie du das Optimum aus deiner Säule 3a herausholst!

Hast du Fragen oder Anmerkungen? Hinterlasse dein Feedback in der Kommentarspalte oder schreibe uns eine E-Mail. 

Möchtest du mehr über online Vermögensverwaltung erfahren? Dann besuche unsere Webseite: 
https://www.truewealth.ch/de?utm_source=vimeo&utm_medium=organic_social&utm_campaign=podcast_keine_zeit_fuer_3a

#Säule3a #TrueWealth #Vermögensverwaltung #Vorsorge #Schweiz

#8 Keine Zeit für Säule 3a?

In this blog post, we take a look at pillar 3a and whether it's really worth the time investment. Felix Niederer, CEO and co-founder of True Wealth, gives us insights into this important topic and explains what solutions are available on the market.

You have paid in your annual 3a maximum contribution and want to continue investing seamlessly? This is where our innovative "auto top-up" comes in.

No detours to free asset management – it's that easy

Pillar 3a