Fee comparison of 3a apps

Pillar 3a takes center stage for Swiss residents, especially as the end of the year approaches. Combining retirement savings with investment in securities is becoming increasingly popular. And it pays off: Over a long investment horizon, a high equity allocation allows you to build wealth sustainably. Modern pension apps make switching easy and are outperforming traditional pension funds. It pays to compare pension apps carefully: Not everything labeled digital is actually cost-effective. Don't underestimate this: Every franc saved stays directly in your pension pot – working for you over the years thanks to the compound interest effect.

A cost comparison by Moneyland (September 2026) for an investment amount of 60'000 francs over ten years puts it in a nutshell: The most expensive provider is six times more expensive than the cheapest (True Wealth).

With a 0 percent management fee for pillar 3a, True Wealth disrupted the market in 2022 and brought new momentum to the industry. But beyond the price tag, you should also consider the following factors when choosing an investment solution:

• Does the provider use tax-optimized pension funds?
• Is interest paid on cash balances at market-appropriate rates?
• Are multiple 3a accounts automatically opened over time (for staggered withdrawals)?
• Is there a mechanism to prevent forgotten deposits?
• Has the provider been established in the market for several years?
• Is a competent customer service team available?

At True Wealth, the answer to all these questions is: Yes. If these requirements are met, your assets have the ideal space to grow – and you don't have to worry about anything other than making the right choice.

• Pillar 3a from True Wealth
• Online Pillar 3a Solutions: The Most Expensive Provider Costs Six Times More Than the Cheapest