3a FAQ

07.01.2021

No electronic instruction of transfers

In contrast to e-banking, bank transfers cannot be instructed via the finpension app. For withdrawals and transfers, the corresponding forms must be signed and submitted in the original.

07.01.2021

Securities are not included in the bankruptcy assets of the custodian bank

Account balances are privileged up to CHF 100’000 per account holder. In a bank bankruptcy they fall into the second category not the third. And securities balances are even better off than account balances. Securities are not shown on the bank balance sheet. They are regarded as special assets and, unlike account balances, do not …

07.01.2021

The finpension 3a Retirement Savings Foundation foundation bears no business risk

The finpension 3a Retirement Savings Foundation does not engage in proprietary trading. Purchases and sales of securities are made exclusively on behalf and for the account of the account holder. The business risk lies with finpension AG. Example employees: they are not employed by the Retirement Savings Foundation, but by finpension AG. If finpension AG …

07.01.2021

When must a 3a account be closed at the latest?

3a credit balances must be withdrawn at the latest when you reach your normal AHV retirement age.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 …

07.01.2021

When can 3a credit balances be withdrawn earlier?

An early payout of 3a credit balances is possible in the following cases: To finance home ownership . For taking up self-employment. If you emigrate and leave Switzerland permanently. When receiving a full disability pension and the risk of disability is not insured.

07.01.2021

When is the earliest time that Pillar 3a can be withdrawn?

In principle, pillar 3a credit balances can be withdrawn at the earliest five years before the normal AHV retirement age.

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