Provider
neon Pillar 3a: The banking and pillar 3a package
A look at the provider, growth and the fees of Pillar 3a.
25 September 2026 · 5 min.
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Provider
finpension Pillar 3a: The flat-rate app
A look at the provider, growth and the fees of Pillar 3a.
25 September 2026 · 5 min.
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Provider
LibertyGreen Pillar 3a: The sustainable one
A look at the provider, direct investments and the fees of Pillar 3a.
23 September 2026 · 5 min.
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Provider
True Wealth Pillar 3a: The price breaker
A look at the provider, growth and the fees of Pillar 3a.
12 September 2026 · 5 min.
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Compare
3a Securities Accounts Compared
Securities-account fee table. The same formula for every provider — a model, not a recommendation.
1 September 2026 · Table
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Pillar 3b
Pillar 3b: Voluntary Pension for Higher Earners in Switzerland
For employees above the BVG entry threshold: deduct up to 20% of net earned income (max. CHF 34,416) from your taxable income.
15 August 2026 · 9 min.
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Direct-Answer
Which Pillar 3a Provider Is Best in Switzerland? (2026)
Top 5 Pillar 3a providers ranked by fees, performance and app rating — independent comparison for residents and expats.
10 August 2026 · 5 min.
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Buybacks
Pillar 3a Buybacks: Who May Top-Up, Calculate the Maximum & the 3-Year Lock-Out
Voluntary Pillar 3a buybacks for EN residents and expats: who may pay in, how the maximum is calculated, the buy-back overlay with PK / 3a / 3b and the Art. 79b BVG 3-year lock-out — with a 10-point buy-back checklist by email.
9 August 2026 · 10 min.
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Switching
Switch Your Pillar 3a: Providers, Deadlines & Pitfalls
Porting vs. lump-sum settlement, the direct-transfer lever across insurance, bank and fintech, plus the five common pitfalls to avoid — incl. switching checklist by email.
6 August 2026 · 10 min.
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Multi-Accounts
Pillar 3a Multi-Accounts: Splitting Your Maximum Across VIAC, finpension, Frankly & Liberty
A proven split for the CHF 7,258 maximum: how to stagger withdrawals, dodge the 5-year advance-withdrawal lock-out and diversify currencies — plus a 10-point multi-account checklist by email.
6 August 2026 · 12 min.
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Withdrawal
Pillar 3a Withdrawal: Lump Sum vs. Annuity vs. Staggered — incl. Departure Taxation
Which withdrawal form costs the least tax, how to evaluate the 15%/25% departure withholding tax and the common withdrawal pitfalls to avoid — with a 10-point checklist by email.
4 August 2026 · 13 min.
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Tax Optimisation
Pillar 3a Tax Optimisation for Employees: Maximum Contributions, Cantonal Differences & Timing
CHF 7,258 maximum contribution in 2026, six major cantons compared and the optimal timing for your deposits — plus a 10-point tax checklist by email.
2 August 2026 · 12 min.
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Self-Employed (DE only)
Pillar 3a vs 3b for the Self-Employed and Freelancers
Which pension pillar suits the self-employed? Maximum contributions, tax savings and withdrawal strategy — currently available in German only.
24 July 2026 · 9 min. · DE only
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Provider Comparison
3a Provider Comparison 2026
VIAC, finpension, Frankly and Selma: TER, fees and app quality side by side.
25 May 2026 · 12 min.
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Step by Step
Cancel Your 3a Insurance: A Step-by-Step Guide for 2026
How to cancel your 3a policy correctly — notice periods, avoiding common mistakes and saving your capital.
8 April 2026 · 8 min.
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Cancel Insurance
Cancel or Keep Your 3a Life Insurance? A Fact-Check on Cash Value
Cash value, cancellation loss and Rescue-Delta explained — so you can make an informed decision.
22 March 2026 · 10 min.
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Retirement
Combining Pillar 3a and Pension Fund: How to Plan Your Withdrawals Optimally
What happens tax-wise when you withdraw 3a and pension fund capital in the same year — and how to avoid it.
Coming soon