Pillar 3a and 3b

Contribution limits, tax deductions, withdrawals, provider comparisons, and 3a vs 3b decisions for expats who need clear Swiss retirement planning.

Pillar 3a7 min read

A plain-English guide to the 2026 Swiss Pillar 3a limits, who can use them, and why the tax deduction is often worth more for high earners.

Pillar 3a8 min read

The expat-friendly difference between restricted Pillar 3a savings and flexible Pillar 3b assets, including tax, liquidity, and provider risk.

Pillar 3a8 min read

A plain comparison of Pillar 3a insurance policies and bank or investment accounts, with focus on flexibility, fees, protection, and relocation risk.

Pillar 3a8 min read

Why some Swiss residents use several Pillar 3a accounts, how staggered withdrawals may help planning, and what expats should verify first.

Pillar 3a9 min read

A source-led comparison of four digital Pillar 3a platforms for expats who care about equity exposure, costs, language support, and flexibility.

Pillar 3a7 min read

A simple explanation of progressive Swiss tax and why the same Pillar 3a contribution can be worth different amounts in different cantons.

Pillar 3a8 min read

What expats should check before cashing out Pillar 3a after a permanent move, including documents, withholding tax, timing, and future-country risk.

Pillar 3a7 min read

A simple map of Swiss occupational pension, private restricted pension saving, and vested-benefit accounts for mobile foreign residents.

Pillar 3a8 min read

A practical framework for foreign professionals who may stay in Switzerland for only two to five years and are unsure about Pillar 3a.