FOXANA is smart and saves with pillar 3a – you can too! With just a few clicks to the 3a that suits your goals perfectly. Only with Foxana’s unique comparison service.
Most people save with a 3a in order to have more money in old age. But there are other important aspects that you shouldn’t miss out on.
You can save a lot of tax. Think of it as an annual secure return.
You can benefit from good interest rates with the right investment funds.
Use an early withdrawal for self-employment, home ownership and emigration.
You can make a profit with the right pension provision. See how much you earn through interest (and tax benefits) over the years.
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Pillar 3a allows you to deduct an annual amount from your taxable income and thus not only save for old age, but also reduce your taxable income. The provider and the choice of investment strategy are crucial to getting the most out of your pillar 3a. Use our 3a comparison service to find a pension solution that suits you.
The pension system can quickly become complicated. You don’t need to know everything, that’s what our experts are here for. Here are three facts to get you started:
The current maximum for salaried employees is 7056.- per year, i.e. 588.- per month. Self-employed persons (without a pension fund) can pay in 20% of their net income, up to a maximum of 35,280 per year. The maximum amount is regularly adjusted to inflation and thus increased.
A pillar 3a account can be paid out a maximum of 5 years before retirement. You can also defer 5 years if you remain employed. Otherwise, you can withdraw the money at any time for your own home, self-employment or if you emigrate.
A 3a pillar can only be worthwhile because of the interest. Depending on the provider, interest rates of up to 10% per annum are possible. However, these figures depend on the investment market. Depending on your situation, it may be worth taking more or less risk. You can usually adjust your investment strategy if your circumstances change. The best thing to do is to ask us for advice.
In contrast to the pension fund, you can use 3a funds for your own home without restriction.
They count as equity for the bank. You can even use 3a funds to renovate your home or amortize your mortgage.
Both options offer advantages. With the bank, you can pay in more flexibly. However, you can only cover important risks associated with pension provision with the insurance company. For example, the insurance company guarantees that it will continue to pay in for you if you become incapacitated. You will therefore achieve your savings goals in any case. Costs and returns can also differ greatly between the two options.
The general rule is: as much as possible. The maximum annual amount is 7065, for example 35280 for the self-employed. However, it is important that you start saving as early as possible with 3a. You can top it up later.
From the age of 60, you can withdraw one 3a account per year. It would therefore be ideal to have six 3a accounts and to withdraw them in stages each year. This way you break the tax progression and pay less tax on the payouts.
When withdrawing funds from pillar 3a, taxes are payable at federal, cantonal and communal level. At federal level, you benefit from reduced taxation: the tax rates for withdrawals from pillar 3a are only one fifth of the regular rate.
Do you have another question that has not been answered above? Then simply get in touch with us! We’ll be happy to help you.
Investing in pillar 3a via the platform was a real benefit for my financial planning. The advice was excellent and the tax benefits I was able to realize exceeded my expectations.
As a young professional, planning for retirement is often confusing. The platform has made it easy for me to invest in pillar 3a and benefit from the tax advantages.
The clear structure of the platform and the detailed advice enabled me to invest in pillar 3a and save a significant amount of tax in the process. It was easy to compare the various options.
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