Epargne 3 Youth Account

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.

Your savings in just a few clicks

Municipality of residence

Profession Has an occupational pension plan No occupational pension plan

Marital status

Annual taxable income

.- CHF

Number of children

- +

Annual contribution

.- CHF

0.-CHF 7'056.- CHF

Religion

Partner's/spouse’s religion

Simulation result

Tax savings

CHF after 1 year
or % of annual contribution

CHF after 5 years

Projected savings

CHF after 5 years
of which CHF in interest at a rate of %

Status of your Epargne 3 account
Including net contributions,* tax savings and interest

* net contribution = full-year contribution - tax savings

The calculations are based on the information you entered. They also take into account tax figures as well as the latest market data provided by netcetera. The result is a non-binding simulation that cannot be used to contest the decision of the competent tax authority.

	Fees and conditions
Interest rate	Additional 0.3% on the basic Epargne 3 interest rate
Withdrawals	If you want to become self-employed. If you leave Switzerland permanently. If you want to buy a house or pay down your mortgage. If you use the money you withdraw to purchase past years in an occupational pension fund. If you become eligible for full disability benefits in the Swiss social security system. Starting no more than five years before the legal retirement age. If you continue working after the legal retirement age and keep paying into an Epargne 3 account, you can get the corresponding tax benefits for up to five years after the legal retirement age.
Requirements	Your income must be subject to Swiss social security contributions. Maximum full-year amount of tax-deductible contributions: CHF 6,883, if you pay into an occupational pension; otherwise, 20% of your income, up to a limit of CHF 34,416.

Fees and conditions

Interest rate

Additional 0.3% on the basic Epargne 3 interest rate

Withdrawals

If you want to become self-employed.
If you leave Switzerland permanently.
If you want to buy a house or pay down your mortgage.
If you use the money you withdraw to purchase past years in an occupational pension fund.
If you become eligible for full disability benefits in the Swiss social security system.
Starting no more than five years before the legal retirement age. If you continue working after the legal retirement age and keep paying into an Epargne 3 account, you can get the corresponding tax benefits for up to five years after the legal retirement age.

Requirements

Your income must be subject to Swiss social security contributions.
Maximum full-year amount of tax-deductible contributions: CHF 6,883, if you pay into an occupational pension; otherwise, 20% of your income, up to a limit of CHF 34,416.

EPARGNE 3 YOUTH ACCOUNTS

Let's get your Pillar 3 retirement
savings started