Paying into 3a retirement funds during maternity leave

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

Hello,

Can I continue to pay money into the third pillar of Swiss retirement savings (3a account or insurance policy) while I am on maternity leave?

Thanks and cheers

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Yes. As long as you remain employed and continue to make social security contributions, you can continue to contribute to the third pillar (private retirement savings), up to the legal limits.

During the legally designated period of maternity leave, you retain your employment at your current employer. Your lost income is compensated by maternity income insurance from social security and you acontinue paying social security contributions. Therefore you are fully eligible to continue funding your 3a retirement savings.

You can find out how much you are eligible to contribute to the third pillar in this guide to maximum 3a contributions.

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Cheap bank accounts with card

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  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

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  • Banking partner: Swissquote & Postfinance

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