*We’ll match up to CHF 100 on your first deposit into your Epargne 3 Youth account if you open it at the same time as a Portfolio 3 account that you regularly pay into with a standing order. You must be under 30 to qualify.

**For example, if you’re unmarried, have no children, live in Lausanne, and have taxable income of CHF 60,000, you’ll save CHF 1,786 in taxes if you pay the maximum annual amount of CHF 6,883 into your Pillar 3 account (based on September 2021 tax rates).

Epargne 3 Youth Accounts

Do you want to save on taxes and build up your retirement savings?

Our Epargne 3 Youth Account lets you do just that. To qualify for this type of account, you simply need to live and work in Switzerland, and your income must be subject to Swiss social security contributions.

Open an Epargne 3 Youth account

• Additional 0.5% on the basic Epargne 3 interest rate
• We’ll match up to CHF 100 on your first deposit into your Epargne 3 Youth account if you open it at the same time as a Portfolio 3 account that you regularly pay into with a standing order
• No management fees
• You put aside what you want, when you want
• Payments into the account are deductible from your taxable income (within the legal limit)
• The money in your account is not subject to wealth tax, and it is taxed at a reduced rate as you take it out

• You can start withdrawing your funds no more than five years before the legal retirement age.  If you continue working after the legal retirement age, can provide proof of employment, and keep paying into a Pillar 3 account, you can get the corresponding Pillar 3 tax benefits. You can deduct your Pillar 3 contributions from your taxes for up to five years after the legal retirement age.
• If you want to buy a house or pay down your mortgage.
• If you leave Switzerland permanently.
• If you want to become self-employed.
• If you use the money you withdraw to make voluntary occupational pension contributions.
• If you become eligible for full disability benefits in the Swiss social security system.

can start withdrawing your funds no more than five years before the legal retirement age.  If you continue working after the legal retirement age, can provide proof of employment, and keep paying into a Pillar 3 account, you can get the corresponding Pillar 3 tax benefits. You can deduct your Pillar 3 contributions from your taxes for up to five years after the legal retirement 

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