3a credit balances must be withdrawn at the latest when you reach your normal AHV retirement age. However, if you can prove that you are still in gainful employment, you can continue your pillar 3a credit balance for up to five years beyond that date. During this period you can continue to pay in your contributions. Once you reach the regular AHV retirement age, you can close 3a accounts at any time and withdraw the credit balance.
3a Retirement Savings Foundation