Swiss 3a retirement savings after early retirement

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

Can I continue contributing to my Swiss pillar 3a retirement savings accounts after I retire? I plan to retire early but have enough income so I would rather continue taking advantage of the tax benefits of 3a savings.

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

Hi there,

While you are obligated to make social security contributions based on your wealth and pensions when you retire early, this is not the case with 3a savings contributions.

In order to deduct contributions to 3a savings from your taxable income you must earn an income on which social security contributions are levied. So the last year in which you earn a salary is the last year in which you can make tax-deductible contributions to your 3a retirement savings.

Best regards from Moneyguru

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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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Swiss digital bank

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  • CHF 100 welcome bonus

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