Maximum contribution to pillar 3a for 2024

Q: How can I benefit from higher potential returns?

Invest your retirement savings in a pension fund. Your savings will be invested in equities, bonds and real estate. In this way, you secure higher potential returns in the long term. Overview of Vitainvest sustainable investment funds

Q: Must I make regular payments into pillar 3a?

You are not contractually obligated to make an annual pillar 3a deposit. You can decide on how much you want to pay in, but you may not exceed the maximum specified in the current calendar year.

Q: Who sets the maximum contribution?

The maximum contribution to pillar 3a is set annually in October by the Federal Social Insurance Office. The following applies for 2024: CHF 7,056 for insured persons / employees with a pension fund. Self-employed persons without a pension fund can pay in a maximum of CHF 35,280 or 20 percent of their net income.

Q: How is the maximum amount calculated for persons without a pension fund?

Self-employed workers who do not belong to a pension fund can use up to 20 percent of their earned income as deductions for social security benefits. The maximum contribution in 2024 is CHF 35,280.

Increase your pension and save on taxes

You don’t want to give up your accustomed standard of living when you retire and want to save on taxes now? Deposits into pillar 3a make this possible.

The following maximum amount applies for 2024

CHF 7,056

For insured persons / employees with a pension fund

CHF 35,280

or max. 20% of net income
for the self-employed without a pension fund

You can find the maximum amount for 2025 here

UBS Fisca 3a Don’t forget to plan your pension now and save taxes!

Deposit online by 31 December 2024 to get the tax benefit for this year.

Deposit now in E-Banking

What’s the latest I can pay into the 3a retirement savings account?

To be deducted in that tax year, payments via Digital Banking must be received in the retirement savings account no later than 31 December 2024. You can make payments at the bank counter until 22 December 2024.

Tip: If you deposit the maximum amount at the beginning of the year, you’ll benefit from the preferential interest rate throughout the year.

Who sets the maximum contribution?

How is the maximum amount calculated for persons without a pension fund?

Smartphone with initial screen for opening a 3a pension solution.

Manage your pension digitally with UBS key4 pension 3a

Open a pillar 3a account in the app

Flexibly deposit how much you want to save

Invest your pension assets for higher potential returns

Start saving for retirement online

Practical tips for your pillar 3a

Can I open more than one pension account?

It makes sense to have multiple 3a accounts so you can withdraw your pension capital in stages and also save on taxes depending on your canton.

A rule of thumb: if you have saved around CHF 50,000 in a 3a retirement account, it makes sense to open an additional account. Please note that any amounts you have already deposited cannot later be distributed among several retirement savings accounts.

If you’re already our client, you don’t even need to visit a branch – you can open a retirement savings account yourself in E-Banking.

How can I benefit from higher potential returns?

Must I make regular payments into pillar 3a?

How much can I save on taxes with pillar 3a?

Paying into pillar 3a is worth your while. Save hundreds of francs in taxes, depending on your place of residence and how much you deposited. The more you pay in annually, the more you save on your taxes.