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Pillar 3a is the private pension plan designed to supplement the pillar 1 (OASI) state pension and pillar 2 (BVG) occupational pension. As a private individual, you can pay into a retirement savings accountÌýor a pension fund Ìýto boost your retirement savings.

The amount you can pay into pillar 3a is limited by law. In 2025, the maximum you can contribute to pillar 3a is CHFÌý7,258 for employees with a pension fund and up to CHFÌý36,288 for self-employed individuals without a pension fund.

You can deduct your pillar 3 deposits from your taxable income. This reduces your taxable income and lowers your tax burden. Assuming an annual income of CHF 85,000, you save on average up to CHF 2,000 per year in taxes, depending on your canton of residence.

Good to know: Income from pillar 3a pension funds is tax-free.

Pension funds generally offer higher potential returns on your money than a retirement account.ÌýA ÃÛ¶¹ÊÓƵ Fisca 3a lets you benefit from the performance of the financial markets while also promoting sustainable investment. Choose between actively and passively managed funds.

Yes, contribution gaps can be retroactively filled through purchases for up to ten years in the future. However, this only applies to the years after the regulatory amendment comes into effect on January 1, 2025. Therefore, the first-time repayment of a missed 3a contribution will be possible from January 1, 2026.