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Let’s get your Pillar 3 retirement savings started

OUR SOLUTIONS COMPARE PORTFOLIO 3 RETURNS OPEN AN ACCOUNT

REWARDING

Helping you achieve your life goals

Do you dream of becoming a homeowner or starting your own business? Are you hoping to retire with peace of mind?

Our personal retirement accounts are designed to help you achieve these and other long-term goals. Not only will you build up an additional nest egg for retirement, but you can also tap into your savings to finance major life projects like buying your own home, paying down your mortgage loan, or starting a business.

Want to boost your retirement savings? With our Portfolio 3 account, you can earn a higher potential return depending on your time horizon and risk profile.

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A GOOD DEAL

Save toward retirement, save on taxes

Every year, you can deduct from your taxable income any Pillar 3 payments you make, up to the maximum amount.

For example, if you’re unmarried, have no children, live in Lausanne, and have taxable income of CHF 60,000 per year, you can save CHF 1,782 on your taxes each year.

ESTIMATE YOUR TAX SAVINGS

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.

Customized

Epargne 3 account

Take charge of your retirement

Benefits

You’re free to put aside as much as you want, whenever you want
You’ll save on your taxes
You can withdraw your assets early to buy a house or start your own business

Learn more

Portfolio 3 account

Boost your Epargne 3 savings

Benefits

No brokerage or admin fees on the securities account
Choice between four investment strategies
Minimum investment of CHF 200

Learn more

Epargne 3 Youth account

Get a head start on retirement savings

Benefits

You’ll enjoy a higher interest rate than the basic Epargne 3 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

Learn more

“With BCV, I can save for retirement and start seeing the benefits right away.”

MARKET-POWERED

Portfolio 3 return comparison

Let’s say you accumulated CHF 70,400 in a Portfolio 3 account over the past 10 years. That means you earned an additional return of CHF 3,480 compared with an Epargne 3 account.*
For retirement and other life goals, Portfolio 3 can take you a little farther.

You can choose from among four investment strategies to ensure that your retirement money is invested the way you want. Get in touch with your BCV advisor to find out more.

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Epargne 3 account

Portfolio 40

5 years

7 years

10 years

Return on CHF 6,000 invested annually on 1 October in an Epargne 3 and a Portfolio 3 account.
Total return over the 2014–2024 period*

*Return calculated through 30 September 2024, excluding brokerage and account fees, based on BCV’s past Epargne 3 account interest rates and regular payments of CHF 6,000 made on 1 October of each year. The price of investment fund units may fall as well as rise. Past performance is no guarantee of future returns. Each profile has a recommended minimum holding period for the fund units. BCV Pension 40 is a Portfolio 3 investment strategy with a 40% equity allocation.

You can choose from four strategies:

BCV Pro Patrimoine (conservative)

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BCV Pension 25 (growth)

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BCV Pension 40 (growth)

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BCV - Pension 70 (dynamic)

LEARN MORE

Bonds

Stocks

Real estate

“With BCV, I can save what I want, when I want – all while lowering my tax bill."

SIMPLE

Sign up online

You can sign up for the investment strategy of your choice directly in the BCV Mobile app.

LEARN MORE

Please read our website and email Terms and Conditions before using our website or contacting us by email.

Let’s get your Pillar 3 retirement savings started

Building up your third pillar is:

Rewarding

A good deal

Customized

Market-powered

Simple

Building up your third pillar is:

Rewarding

A good deal

Customized

Market-powered

Simple

Helping you achieve your life goals

Save toward retirement, save on taxes

Your savings in just a few clicks

Simulation result

Tax savings

Projected savings

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

Customized

Epargne 3 account

Portfolio 3 account

Epargne 3 Youth account

Parce que les petits ruisseaux font les grandes rivières

“With BCV, I can save for retirement and start seeing the benefits right away.”

Portfolio 3 return comparison

“With BCV, I can save what I want, when I want – all while lowering my tax bill."

Sign up online

Useful documents

Important forms (in french only)

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Already a BCV customer?

Not yet a BCV customer?

Any questions?

TxtToHide

Already a BCV customer?

Not yet a BCV customer?

Any questions?

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