Pillar 3a
Optimise retirement and save up to CHF 2,200 in tax per year.
CHF 7'258
Cap
CHF 21'000
10y buy-in
0,4%
Digital fees
30%
Marginal rate
Tout savoir sur Pillar 3a en Suisse en 2026
Pillar 3a is one of Switzerland's most powerful tax tools: every franc paid in is deductible from taxable income, up to CHF 7,258/year for employees (CHF 36,288 for self-employed). Polia compares bank 3a (account or fund, flexible, low fees) vs insurance 3a (combined life policy, guaranteed but pricier).
4 raisons concrètes de comparer en 2026
Bank or insurance
30+ products compared on fees, performance, guarantees.
Fees < 0.5%
Digital 3a (Viac, Frankly, Selma) with ultra-low fees.
Tax savings calculator
Simulation by canton and income.
Pillar 3a en 90 secondes
Comment Polia compare Pillar 3a en Suisse 2026, étape par étape — sans démarchage commercial.
- 1Présentation du marché et des écarts entre caisses.
- 2Démo du wizard de capture en 3 minutes.
- 3Que se passe-t-il après l'envoi de votre formulaire.
Approfondir le sujet
Pillar 3a: bank or insurance?
Guide to choosing between bank 3a (flexibility, low fees) and insurance 3a (guaranteed capital, life cover).
6 min · LireTax optimization 2026: 7 levers to pull before December 31
Lesser-known deductions that can shave CHF 1,500 to CHF 5,000 off your 2026 tax — and how to use them before December 31.
8 min · Lire
Articles d'analyse récents
Pillar 3a 2026: new caps and the retroactive buy-in
The 2026 cap rises to CHF 7,258. And now you can retroactively fill the gaps of the past 10 years.
Lire l'articleRetiring at 60 in Switzerland in 2026: what you need to know
AHV cut, pension reduction, withdrawal tax, contribution gaps: the real money questions of retiring at 60.
Lire l'article
Questions fréquentes sur Pillar 3a
Vos questions les plus courantes, avec des réponses claires de notre équipe éditoriale Polia.
- Bank or insurance — which one?
- Bank for flexibility and low fees. Insurance if you also want life cover + guaranteed capital.
- When can I withdraw 3a?
- Up to 5 years before AVS retirement age (62/64). Also: property purchase, self-employment, definitive emigration, disability.
- How much tax can I save?
- On a CHF 100k salary maxed out (CHF 7,258), CHF 1,500-2,200 saved depending on canton.
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Optimise retirement and save up to CHF 2,200 in tax per year.
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