{"id":26202,"date":"2025-06-14T01:15:52","date_gmt":"2025-06-13T23:15:52","guid":{"rendered":"https:\/\/heyneo.ch\/non-classifiee\/pillar-3a\/"},"modified":"2026-04-08T16:28:14","modified_gmt":"2026-04-08T14:28:14","slug":"pillars-3a","status":"publish","type":"post","link":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/","title":{"rendered":"Pillar 3a &amp; Pension provision"},"content":{"rendered":"<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_heading-id-gsbp-1efa343{font-size:33px;}#gspb_heading-id-gsbp-1efa343{margin-top:0px;}<\/style>\n<div id=\"h-le-3e-pilier-en-suisse-c-est-quoi-exactement\"><\/div><h2 id=\"gspb_heading-id-gsbp-1efa343\" class=\"gspb_heading gspb_heading-id-gsbp-1efa343 \">The 3rd Pillar in Switzerland: What Exactly is it?<\/h2>\n\n<p><strong>When discussing retirement or pension provision in Switzerland, the AHV (1st pillar) or pension funds (2nd pillar) usually come to mind.<\/strong> <strong>These are two systems that are not chosen by individuals: they depend on our status (married, divorced&#8230;), our employer, or our salary.<\/strong><br\/><strong>The 3rd pillar, also known as individual pension provision, <g id=\"gid_0\">is voluntary<\/g>. It&#8217;s the only pillar you can open yourself, choose, and adapt to your personal goals. <\/strong><\/p>\n\n<p>It allows you to:<br\/>\u2714\ufe0e save money in the long term,<br\/>\u2714\ufe0e reduce your taxes,<br\/>\u2714\ufe0e prepare for a project (buying property, starting a business, leaving Switzerland permanently, etc.).<\/p>\n\n<p><strong>And this is not insignificant<\/strong>: when used well, a 3a can yield much more than a simple savings account.<\/p>\n\n<p>The key is to understand how it works, who it&#8217;s useful for, and when it&#8217;s truly worth getting started.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-les-trois-piliers-expliques-simplement\">The Three Pillars Explained Simply<\/h3>\n\n<p>The Swiss system is based on three levels of pension provision:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pillar<\/strong> \ud83c\udde8\ud83c\udded<\/td><td><strong>Type<\/strong><\/td><td><strong>Objective<\/strong><\/td><td><strong>Who Contributes?<\/strong><\/td><td><strong>Mandatory?<\/strong><\/td><\/tr><tr><td>1st Pillar (AHV\/IV)<\/td><td>Public<\/td><td>Cover Basic Needs<\/td><td>Everyone (via contributions)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> Yes<\/td><\/tr><tr><td>2nd Pillar (OPA)<\/td><td>Occupational<\/td><td>Maintain Standard of Living<\/td><td>Employee + Employer<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Yes (if employed)<\/td><\/tr><tr><td>3rd Pillar (Individual Pension Provision)<\/td><td>Private<\/td><td>Supplement Retirement and Optimize Taxation<\/td><td>Optional<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark> No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><br\/>\ud83d\udccc Only the 3rd pillar depends on you: you can make personalized choices, adjusted to your income and plans.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-3a-ou-3b-attention-a-ne-pas-confondre\"><strong>3a or 3b: Don&#8217;t Confuse Them<\/strong><\/h3>\n\n<p>Individual pension provision (3<sup>rd<\/sup> pillar) comes in <strong>two formats<\/strong>:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Type<\/td><td><strong>Tax Deductible?<\/strong><\/td><td><strong>Funds Locked?<\/strong><\/td><td><strong>Common Use<\/strong><\/td><\/tr><tr><td><strong>3a (Tied Pension Provision)<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Yes, up to CHF 7,056.\u2013 (or CHF 35,280.\u2013 if without 2<sup>nd<\/sup> pillar)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Yes, except for special cases<\/td><td>Retirement, real estate purchase, business creation<\/td><\/tr><tr><td><strong>3b (Free Pension Provision)<\/strong><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/mark> No, except in Geneva and Fribourg (very limited amount)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/mark> No<\/td><td>Free Savings<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><strong><br\/><\/strong> \ud83d\udccc Pillar 3a is the only one that offers concrete tax advantages.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-ce-que-le-pilier-3a-permet-concretement\">What Pillar 3a Concretely Offers<\/h3>\n\n<p>Pillar 3a is the most well-known form of the 3<sup>rd<\/sup> pillar. It is a <strong>retirement savings account with tax advantages<\/strong>, but certain rules need to be known: <\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1769676282869\"><strong class=\"schema-faq-question\">What Are the Concrete Advantages of the 3rd Pillar?<\/strong> <p class=\"schema-faq-answer\">\u2013 <strong>Tax deduction<\/strong>: up to CHF 7,258 in 2025 if you have a second pillar pension plan (up to CHF 36,288 otherwise, e.g. for self-employed persons).<br\/>\u2013 <strong>Long-term returns<\/strong>: possibility of investing your 3a (in shares\/ETFs) rather than leaving your money idle in a savings account.<br\/>\u2013 <strong>Achieving retirement goals<\/strong>, buying property, starting a business, leaving Switzerland, etc.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1769676299975\"><strong class=\"schema-faq-question\">What Are the Limitations of the 3rd Pillar?<\/strong> <p class=\"schema-faq-answer\">\u2013 <strong>The capital is locked<\/strong> in until 5 years before the legal retirement age (with some exceptions).<br\/>\u2013 <strong>Taxed withdrawal<\/strong>: the capital is taxed at a reduced but progressive rate upon withdrawal: the higher the amount withdrawn at one time, the higher the tax rate. This is why it is advantageous to open several 3a accounts and spread withdrawals over several years. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"quels-sont-les-avantages-concrets-du-3eme-pilier\"><strong>Should You Start Now?<\/strong><\/h3>\n\n<p>Yes, <strong>in the vast majority of cases, the sooner the better<\/strong>.<\/p>\n\n<p>Each year without a contribution is:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>a <strong>lost tax opportunity<\/strong> (up to several hundred or thousand francs),<\/li>\n\n\n\n<li>one <strong>less year of return<\/strong> if you invest your 3a,<\/li>\n\n\n\n<li>and a <strong>weakened compounding effect<\/strong> in the long term.<\/li>\n<\/ul>\n\n<p>Even with a modest income, contributing a few thousand francs often results in an <strong>immediate net gain<\/strong>, especially once you exceed a tax rate of 15%.<\/p>\n\n<p>\ud83d\udccc The earlier you start, the more powerful 3a becomes.<br\/><br\/>Only exceptions: if you are not yet taxed, or if you plan to move abroad in the short term.<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1769676359199\"><strong class=\"schema-faq-question\"><strong>Is 3a Beneficial for Everyone?<\/strong><\/strong> <p class=\"schema-faq-answer\">Not always. But in many cases, <strong>yes<\/strong>, because the immediate tax gain <strong>can offset<\/strong> the lock-up restrictions. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Here are some typical cases:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Profile<\/strong><\/td><td><strong>Benefit of 3a<\/strong><\/td><\/tr><tr><td>Young Employee<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> To save early &amp; maximize compounding effects<\/td><\/tr><tr><td>Self-employed\/Freelancer<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Very useful, as there&#8217;s no 2nd pillar \u2192 higher contribution limit<\/td><\/tr><tr><td>Potential Homeowner<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> 3a can serve as a down payment for purchase<\/td><\/tr><tr><td>Part-time Spouse<\/td><td>To be checked based on income and expenses<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1769676411261\"><strong class=\"schema-faq-question\"><strong>Can You Open Multiple 3a Accounts?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. And it&#8217;s recommended for <strong>reducing tax upon withdrawal<\/strong>. By withdrawing over several years, you avoid excessively high taxation in a single instance. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1769676418227\"><strong class=\"schema-faq-question\"><strong>Is the 3a Account Worthwhile if You Earn Little?<\/strong><\/strong> <p class=\"schema-faq-answer\">Even with a modest income, <strong>the tax deduction remains proportional<\/strong>. If you are taxed at more than 20%, contributing CHF 3,000 can reduce taxes by CHF 600 or more. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-comparatif-des-comptes-3a-banque-assurance-ou-plateforme-d-investissement\">3a Account Comparison: Bank, Insurance, or Investment Platform?<\/h3>\n\n<p>There are three main types of products for investing your 3a. However, their performance, flexibility, and fees vary significantly: <\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Product Type<\/strong><\/td><td><strong>Example<\/strong><\/td><td><br\/><strong>Estimated Return<\/strong><\/td><td><strong>Flexibility<\/strong><\/td><td><strong>Fees<\/strong><\/td><td><strong>Protection<\/strong><\/td><td><strong>Suitable Profile<\/strong><\/td><\/tr><tr><td><strong>Bank Account<\/strong><\/td><td>UBS, Postfinance, Raiffeisen&#8230;<\/td><td>Low (&lt;1%)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Flexible withdrawal according to law<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Low<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Deposit Guarantee (up to CHF 100,000)<\/td><td>Short-term, zero risk<\/td><\/tr><tr><td><strong>3a Insurance<\/strong><\/td><td>AXA, Swiss Life, Helvetia&#8230;<\/td><td>Medium (1\u20132%)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Flexible withdrawal according to law<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/mark> High (1\u20132%)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Death Coverage<\/td><td>Family \/ Inheritance Goals<\/td><\/tr><tr><td><strong>Invested Funds (ETFs)<\/strong><\/td><td>Viac, Zak, Finpension, Frankly, Yuh, etc.<\/td><td>High Potential (5\u20137%)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Flexible withdrawal according to law<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/mark> Low (0.2\u20130.5%)<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/mark> No protection against potential losses<\/td><td>Long-term savings, tax optimization, and returns<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1769676475535\"><strong class=\"schema-faq-question\"><strong>Can you invest in a 3a pillar with stocks?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. And <strong>it&#8217;s often more profitable<\/strong> in the long term than a traditional 3a savings account. But it involves some short-term risk. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-le-bon-choix-depend-de-votre-objectif\"><strong>The Right Choice Depends on your Goal<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>You want no risk and are aiming for a near-term real estate purchase?<\/strong> \u2192 A <strong>3a bank account<\/strong> might be enough.<\/li>\n\n\n\n<li><strong>Are you looking for family security?<\/strong> \u2192 A <strong>3a insurance<\/strong> with death coverage might be relevant, <strong>despite the fees<\/strong>.<\/li>\n\n\n\n<li><strong>Do you want to optimize your long-term savings?<\/strong> \u2192 A <strong>3a investment solution (ETF)<\/strong> via a mobile app is <strong>often much more profitable<\/strong>.<\/li>\n<\/ul>\n\n<p>In %%currentyear%%, pillar 3a solutions are much more transparent: each platform clearly displays its fees, offers automated management, and allows you to track your savings at any time.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-pour-vous-faire-un-avis-eclaire\">To help you make an informed decision<\/h3>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/\" type=\"page\" id=\"23853\">See the ranking of<sup> third pillar<\/sup> accounts in Switzerland in %%currentyear%%<\/a>.<\/p>\n\n<div style=\"height:78px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When discussing retirement or pension provision in Switzerland, the AHV (1st pillar) or pension funds (2nd pillar) usually come to mind. These are two systems that are not chosen by individuals: they depend on our status (married, divorced&#8230;), our employer, or our salary.The 3rd pillar, also known as individual pension provision, is voluntary. It&#8217;s the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[393],"tags":[],"dealstore":[],"offerexpiration":[],"class_list":["post-26202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pillar 3a: how it works and advantagesin 2026<\/title>\n<meta name=\"description\" content=\"Understanding the third pillar in Switzerland: how it works, its advantages, and advice on preparing for retirement and reducing your taxes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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Chez heyneo, Julien s\u2019appuie sur une \u00e9quipe de r\u00e9daction pour mettre cette exp\u00e9rience au service d\u2019une finance plus claire, transparente et accessible \u00e0 tous.","sameAs":["https:\/\/heyneo.ch","https:\/\/www.linkedin.com\/in\/julien-delecraz\/"],"url":"https:\/\/heyneo.ch\/en\/author\/mindlessguru\/"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676282869","position":1,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676282869","name":"What Are the Concrete Advantages of the 3rd Pillar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u2013 <strong>Tax deduction<\/strong>: up to CHF 7,258 in 2025 if you have a second pillar pension plan (up to CHF 36,288 otherwise, e.g. for self-employed persons).<br>\u2013 <strong>Long-term returns<\/strong>: possibility of investing your 3a (in shares\/ETFs) rather than leaving your money idle in a savings account.<br>\u2013 <strong>Achieving retirement goals<\/strong>, buying property, starting a business, leaving Switzerland, etc.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676299975","position":2,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676299975","name":"What Are the Limitations of the 3rd Pillar?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u2013 <strong>The capital is locked<\/strong> in until 5 years before the legal retirement age (with some exceptions).<br>\u2013 <strong>Taxed withdrawal<\/strong>: the capital is taxed at a reduced but progressive rate upon withdrawal: the higher the amount withdrawn at one time, the higher the tax rate. This is why it is advantageous to open several 3a accounts and spread withdrawals over several years. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676359199","position":3,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676359199","name":"Is 3a Beneficial for Everyone?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Not always. But in many cases, <strong>yes<\/strong>, because the immediate tax gain <strong>can offset<\/strong> the lock-up restrictions. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676411261","position":4,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676411261","name":"Can You Open Multiple 3a Accounts?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. And it's recommended for <strong>reducing tax upon withdrawal<\/strong>. By withdrawing over several years, you avoid excessively high taxation in a single instance. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676418227","position":5,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676418227","name":"Is the 3a Account Worthwhile if You Earn Little?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Even with a modest income, <strong>the tax deduction remains proportional<\/strong>. If you are taxed at more than 20%, contributing CHF 3,000 can reduce taxes by CHF 600 or more. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676475535","position":6,"url":"https:\/\/heyneo.ch\/en\/news\/pillars-3a\/#faq-question-1769676475535","name":"Can you invest in a 3a pillar with stocks?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. And <strong>it's often more profitable<\/strong> in the long term than a traditional 3a savings account. But it involves some short-term risk. ","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"modified_by":"JJJ","_links":{"self":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/posts\/26202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/comments?post=26202"}],"version-history":[{"count":3,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/posts\/26202\/revisions"}],"predecessor-version":[{"id":27812,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/posts\/26202\/revisions\/27812"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media\/26326"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media?parent=26202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/categories?post=26202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/tags?post=26202"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/dealstore?post=26202"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/offerexpiration?post=26202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}