Pillar 3a and 3b
Contribution limits, tax deductions, withdrawals, provider comparisons, and 3a vs 3b decisions for expats who need clear Swiss retirement planning.
Swiss finance for expats
Understand Pillar 3a, Swiss taxes, provider choices, and cross-border wealth decisions in clear English, with visible sources and practical checklists.
2026 planning deskPillar 3a deduction window
Employee with Pillar 2CHF 7'258
No pension fundCHF 36'288
Provider comparison, written for decisions
Simple source-led comparison of digital Pillar 3a platforms. No affiliate ranking is active.
| Platform | Max equity | Cost note | Languages | Best-fit signal | Primary source |
|---|---|---|---|---|---|
| VIAC | up to 99% | 99% equity strategies: 0.40% to 0.44% total costs | EN, DE, FR, IT | Good for expats who want broad language support and a clear digital 3a setup. | Open source |
| finpension | up to 99% | 0.39% to 0.42% per year on the cited product page | EN, DE, FR | Good for fee-sensitive investors who want a high-equity securities solution. | Open source |
| True Wealth | up to 99% | 0% management fee; average product costs (ØTER) and total shown as 0.12% per year | EN, DE, FR | Good for users who want portfolio automation and a broader wealth platform feel. | Open source |
| frankly | up to 95% | access to Swisscanto investment products, including Extreme 95 Index | EN, DE, FR | Good for users who prefer a bank-backed product family and a simpler menu. | Open source |
Swiss tax for expats
Plain-English Swiss tax guides for expats: salary certificates, withholding tax, tax at source vs ordinary assessment, foreign assets, and canton-level planning.
Wealth management
Brokerage accounts, portfolio decisions, currency risk, DA-1 paperwork, and practical asset-management checks.
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