Pens3a Pension foundation

There are good reasons to start saving for retirement now. For a start, life expectancy is growing. Furthermore, the 1st and 2nd pillar pensions – AHV and occupational pension fund – are expected to decrease in future.

Why Pens3a?

With us, you plan your retirement with a clear pension strategy. And for the contributions you pay in, you receive the investment solution that suits you best. In addition, Pens3a works with various banks, investment foundations and fund providers, giving you the freedom to choose your banking partner.

Paying into a Pillar 3a

People subject to AHV contributions may pay into a tax-qualified Pillar 3a account. In this way, you reduce your taxable income and benefit from tax-exempt interest and dividend income. In addition, you do not pay wealth tax on your Pillar 3a assets.

You decide what goes into your custodian account

Pens3a offers you numerous mixed strategy profiles from investment foundations and investment funds depending on your personal risk capacity and risk appetite. You benefit from institutional rates for all your investment solutions. This brings tangible cost advantages, which positively impacts the value of your assets.

How to withdraw your 3a pension account

There are some important points to bear in mind when withdrawing pension assets. Get your hands on planning at an early stage.  

Tax advantages when withdrawing capital

With Pens3a, you benefit from tax advantages when withdrawing your pension assets. Do you want to know how high the capital tax will be when you withdraw your pension assets? Or are you planning to move abroad and want to calculate your expected source tax? Our two online calculators will help you.

Tax advantages when moving abroad

First things first: you may, but are not obliged to withdraw. You may leave your assets in your 3a pension account where they are tax-exempt. Learn which restrictions you must take into account.

Investment advantages

Low fund fees and a free selection of banking partner plus your own investment strategy - that is what Pens3a offers.

Tax deductible retirement provision

Use the tax-saving options available. Check. Optimise your retirement benefits. Check.

Staggered capital withdrawal

We can advise you of the benefits of holding several 3a accounts.

Are you just thinking about it or are you saving already?

Paying into a Pillar 3a allows you to make thorough provision for your retirement. Moreover, you benefit twice - as the state helps you save taxes.

Who benefits from Pens3a?

  • The self-employed

  • Employees

  • People moving abroad with Pillar 3a assets

A brief overview

Year of foundation


Foundation headquarter


Foundation Board

Marcus Waldispühl, Meggen (Chairman)
Dionys Berwert, Meggen
Mark Huber, Galgenen
Iwan Brot, Wangen (SZ)

Management and Consulting

PensExpert AG


Convisa Revisions AG, Schwyz


Zentralschweizer BVG- und Stiftungsaufsicht (ZBSA)

Teodora Toma
Relationship Manager, Managing Director Pens3a, Deputy Head Vested Benefits

Thank you for your interest. We will be in touch shortly.

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+41 41 226 15 15