WHERE SIMPLICITY MEETS PERFORMANCE
An investment and saving solution with Swiss security, attractive return opportunities and tax relief for your 3a pillar plan.
Transparent and accessible pricing
Enjoy low fees and optimise your returns.
To qualify, you must be resident in Switzerland, have a declared AVS/AHV income and be subject to tax in Switzerland. You can start this process at the age of 18 and continue it until you retire, up to a maximum of five years after reaching normal retirement age, but no earlier than five years before reaching AVS retirement age.
You can make a transfer from another bank using the PDF form, or from one Swissquote account to another.
We can also help you repatriate your 3rd pillar. To do this:
- Open a Swissquote account
- Activate 3a Easy
- Complete and sign the transfer form that will be provided to you
- Return this form to the institution with which you hold your 3rd pillar plan.
The 3a Easy Saving Strategy is net of fees.
For investment strategies, flat fees of 0.60% apply.
Yes, you can open several accounts.
In 2023 and 2024, the maximum amount employees can pay into their 3a pillar is CHF 7’056 per calendar year. For the self-employed, the ceiling is 20% of net income, with a maximum of CHF 35’280 per year.
No. Your 3a capital is exempt from wealth tax, income tax and withholding tax. It is taxed at a reduced rate when it is paid out at retirement age.
You will receive a tax certificate that you simply need to enclose with your withholding tax return. Your 3a is taxed at a reduced rate when it is paid out at retirement age.
If you open several 3a Easy accounts, you will have access to all the strategies at the same time.
You can check the value of the portfolio and/or the performance of your strategy in the 3a Easy dashboard. Performance is expressed both in terms of absolute performance (the actual performance of your investments, in figures) and in terms of time-weighted rate of return (the historical performance of your portfolio, in percentage terms). Click on the indicator of your choice to reflect its performance on the chart. In addition, 3a Easy clients receive an annual performance report for each of their accounts, which can be downloaded from the Documents section of the 3a Easy dashboard.
Of course! You can always switch to other strategies to find the one that suits you best, depending on your profile or your objectives. Don't forget that you can always use the performance simulator to get a better idea of the potential results of each strategy for your capital.
Up to five years before or after reaching retirement age or under special conditions: purchase of property, self-employment, making up pension shortfalls, disability, leaving Switzerland, death.
- Attractive interest rate of 1.20%
- Easy transfer of funds between 3a Easy strategies
- Bankruptcy privilege of up to CHF 100’000
The 3a Easy savings strategy is exempt from fees.
The rate is fixed at 1.20%, based on the Saron 0.5%, and may fluctuate over time.
A minimum deposit of CHF 100 is required.
Yes, at any time and with no withdrawal limits or conditions.
Absolutely! Simply choose our Saving Strategy and fund your account with a minimum of CHF 100 to start earning interest.
There is no limit on saving accounts.