Swiss 3a Retirement Savings - Cashing Out Early

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

Hi forum,

When can I withdraw my retirement savings from the Swiss third pillar? How do I go about it?

Thanks and best regards

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4072

Hi there,

Currently, women are allowed to withdraw 3a retirement assets after they reach the age of 59 and men can withdraw assets from age 60 (more information on age requirements here).

There are a number of circumstances under which it is possible to withdraw 3a assets before you reach the legal age. These include: becoming self-employed, buying a home for use as a primary residence, amortizing a mortgage on your primary residence, buying shares in a housing cooperative, leaving Switzerland permanently.

You can find useful tax tips related to withdrawal of 3a assets here.

Best regards from Moneyguru

More information:
Swiss 3a retirement account comparison
Swiss 3a retirement accounts: The costs explained
Pillar 3a: Maximum contributions explained
3a investment accounts explained
3a retirement funds explained

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  • 24 ATM withdrawals worldwide per year free of charge

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  • High interest on your everyday account

  • Best exchange rates

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

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Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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  • 50 KeyClub points as a welcome gift

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