Retirement savings account 3a

Retirement savings account 3a

INVEST, MAKE PROVISIONS AND SAVE TAXES

The unit-linked Zurich Retirement Savings Account 3a lets you invest while enjoying tax relief. You specify the amount you want to pay in and decide how you want your capital invested.

CHF 6‘768

Maximum amount for employed persons with a pension fund (valid for 2017)

CHF 33‘840

Maximum amount for persons without Pillar 2 provision (valid for 2017)

BENEFITS AT A GLANCE

  • The Retirement Savings Account 3a helps you systematically save capital and invest in your pension
  • You tell us how much you want to pay in (minimum amount: CHF 50)
  • Save tax year over year with your 3a  account
  • You pick the investment strategy that's right for your money

In Detail

The Retirement Savings Account 3a from the Zurich Invest bank foundation lets you accumulate wealth for your future. Choose from five investment strategies for your capital and save taxes every year.

At a glance

FLEXIBLE RETIREMENT PLANNING IN PILLAR 3A
  • Open a 3a account with as little as CHF 50
  • You tell us when, how much and how long you want to pay into your pillar 3 account
  • There are no fixed terms; Zurich recommends terms that fit with investment strategy
  • On request you can also keep your fund units in a safekeeping account after you reach the AHV retirement age, and can specify your own time of sale
  • In the event of death, the capital will be paid out in line with applicable legislation, known as the order of beneficiaries
CHOOSE FROM FIVE INVESTMENT STRATEGIES
  • Your deposits are invested worldwide in selected equities, bonds and money market instruments
  • Choose from five investment strategies according to your risk tolerance and investment horizon; the strategies mainly vary in terms of their equity share
  • You can switch the investment strategy of your 3a account once a year at no extra charge
SAVE TAXES
  • Zurich Retirement Savings Account 3a helps you save income and wealth taxes
  • By also making provisions as part of pillar 2, you can deduct a maximum of CHF 6,768 (valid for 2017) per year from your income
  • If you are not a member of a pension fund you can deduct 20% of your earnings from gainful employment, up to maximum CHF 33,840 (valid for 2017)
  • During the policy term you do not pay any wealth taxes, and when the assets are paid out you benefit from a reduced tax rate

Good to know

  • The Retirement Savings Account 3a helps you systematically save capital and invest in your pension
  • You tell us how much you want to pay in (minimum amount: CHF 50)
  • Save tax year over year with your 3a  account
  • You pick the investment strategy that's right for your money
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