VIAC: The Best Pillar 3a in Switzerland 2026
Deduct up to CHF 7'258 from your taxable income every year – and invest at low fees. Why VIAC is my top choice.
Save taxes and build wealth at the same time – Pillar 3a (Switzerland's voluntary private pension savings) is the best two-for-one deal in the Swiss pension system. And VIAC is, for me, the best way to do it.
Why bother with Pillar 3a at all?
With voluntary pension savings (Pillar 3a), you can pay in up to CHF 7'258 per year in 2026 – and deduct that entire amount from your taxable income.
Depending on your canton and income level, that saves you CHF 1'500 to CHF 2'500 in taxes per year – reliably, every year.
The problem with most Pillar 3a solutions
Most banks offer you a Pillar 3a savings account with minimal interest – or an expensive, actively managed fund charging 1–2% per year. On CHF 50'000, that's CHF 500–1'000 you're giving to the bank every year.
Over 20–30 years, that puts a massive dent in your retirement returns.
Why I recommend VIAC
- Low total costs: around 0.44%–0.52% per year – significantly cheaper than classic bank funds
- Flexible investment strategies: equity allocation from 0% to 97%, matching your risk profile
- Simple app: pay in, choose a strategy, done. No branch visit, no paperwork.
- High equity allocation possible: given your long time horizon, a high equity share pays off
Pro tip: open multiple 3a accounts
A little-known trick: you can hold multiple Pillar 3a accounts at different providers at the same time. This becomes tax-relevant close to retirement – you can close the accounts in different years, breaking the tax progression and paying significantly less overall.
Ideally start today with 2–3 separate accounts. More details in the Pillar 3a guide.
Get started now
Open your VIAC account with my code 4an9Gac – you get CHF 1'000 fee-free, and we both benefit.