3a retirement savings

What makes our offering special?

For over ten years, the Bank CIC preferential rate has been one of the best interest rates in Switzerland. The Bank CIC retirement funds universe consists of funds from various providers chosen by the bank to reflect a range of quality criteria. We pay special attention to value for money, sustainability and the diversity of the offering, in an attempt to offer clients the best possible fund selection.

Ongoing monitoring ensures the offering meets the criteria that have been set. You can invest your money with various focuses: equity weighting, the strategy focus or a thematic approach.

A brief explanation of retirement savings

3a retirement provision from Bank CIC is a way of saving for your retirement while also enjoying tax benefits, because savings contributions under pillar 3a can be deducted from your taxable income. You yourself decide how much you would like to save per year up to the statutory maximum amount. Normally payout is on retirement, but there are other exceptional reasons for which you can withdraw your pillar 3a savings.

Overview of terms

• 3a retirement account: The current interest rate can be found in the overview of account interest rates.
• Retirement funds: all-in fee of 0.5% p.a. of portfolio value*

*Minimum CHF 50 p.a., debited annually on 31.12. or when the retirement account is closed. Calculations are based on the fund value on the 25th of each month. Clients domiciled in Switzerland or the Principality of Liechtenstein also have to pay value added tax.

Maximum deposit for 2024 for pillar 3a

• CHF 7,056 for employed persons with a pension fund
• 20% of net income, up to CHF 35,280 for employed persons without a pension fund

Just save, or invest at the same time – the choice is yours

3a retirement savings is a way of matching your retirement solution perfectly to your personal needs. Alongside the 3a retirement account with a fixed interest rate, investing your existing and future savings in retirement funds is simple and flexible. 

Whether it's an account, a retirement fund or a combination of both – everything is possible with 3a retirement savings. Which solution best fits your needs depends largely on how long your savings can remain invested. 

• A 3a retirement account is suitable if you are planning to withdraw the balance in the next four years. 
• For longer-term savings goals, putting your savings in a retirement fund is an attractive alternative. When you are investing, the longer you can leave your money invested, the higher your prospects of return. 

3a retirement funds

Our 3a retirement funds invest in equities, bonds, real estate and other asset classes and let you save flexibly for your pension. Our wide offering lets you choose between over 30 different retirement funds from varying providers. Investing some or all of your savings in a retirement fund multiplies your return opportunities.

It is easy to find the right retirement fund for you: our retirement fund assistant will help you to do so. By answering a few simple questions, the assistant will navigate you to your objective and help you find which retirement fund best suits your personal needs. Of course, we would be happy to talk to you in person at any time. 

Retirement funds by provider

Here you will find a complete selection of retirement funds sorted by provider.

Open a 3a retirement solution now

Would you like to open an account and make fund purchases directly in CIC eLounge as soon as your retirement savings have been paid in? Just open your 3a retirement solution online with CIC ON and pay in now. As soon as you open your account, one of the most state-of-the-art e-banking solutions in Switzerland is available to you. 

You can also simply transfer your existing 3a retirement savings to Bank CIC using the transfer form. For regular annual contributions we recommend you set up a standing order. Once your money has been paid in it will be invested in line with your purchase order to meet your needs. You can also open additional retirement accounts directly in CIC eLounge, allowing you to benefit from further tax advantages by withdrawing your retirement savings in stages as you grow older.

Do you have any questions? Contact our advisory team for an initial non-binding consultation.

CIC eLounge

CIC eLounge is the modern e-banking from Bank CIC. It gives you a quick and easy overview of your assets. You can also buy and sell retirement funds free of charge at any time. For maximum flexibility, CIC eLounge is available 24/7 as an app and a desktop version.