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Savings account 3 - for your financial independence in old age

The Savings 3 account under Pillar 3a is particularly interesting for saving taxes, acquiring residential property and providing security for your family.

Your advantages

  • preferential interest rate
  • tax advantages
  • flexible deposits

Amounts Saved 3 for 2020:

  • With pension fund: maximum CHF 6,826.00
  • Without pension fund: maximum CHF 34,128.00 (maximum 20% of net income)

Currency

CHF

Account statement

  • Annually, as at 31.12.
  • With tax certificate
  • With custody account statement
    for Swisscanto rights, if any

Account balancing

Annually

Requirements
  • Minimum age 18 years
  • Employment
  • AHV and taxable

Deposits

  • For employed persons with a pension fund, the maximum annual contribution for 2019 and 2020 is: CHF 6,826.00
  • For employed persons without a pension fund, the maximum annual deposit is 20% of their AHV-liable earned income, but for 2019 and 2020 it is a maximum of CHF 34,128.00

Contributions after reaching AHV retirement age or deferred withdrawal

Employees who continue to earn income subject to AHV may pay amounts into a Savings 3 account for up to five years beyond the AHV retirement age and continue to deduct these amounts from their taxable income or defer their withdrawal. This means that the capital of the Savings 3 account no longer needs to be withdrawn when the regular AHV retirement age is reached.

Withdrawals

According to the regulations of the Savings 3 Pension Foundation of Zuger Kantonalbank available at www.zugerkb.ch/sparen3

Interest rate

0,100%

Account opening

Free of charge

Account maintenance fees

Free of charge

Account statement

Free of charge 

Account balancing

Free of charge

Postage

Free of charge

Account closure

  • Free of charge
  • CHF 50.00, if the account has been active for less than 6 months
Easy access