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Swiss Pillar 3a Comparison – Which is best for your pension?

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In Switzerland, the third pillar (also known as a ‘Pilar 3A’ or ‘Säule 3a’) forms part of the pension system and is an optional private plan to supplement your state (aka – the first pillar) and company (aka – the second pillar) pension plans.

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Best Pillar 3a providers in Switzerland

Provider IH Rating Management Fee Product Fees Additional Fees Bank/Fund Provider Comment Current Offers Open Account
Finpension
Finpension
4.8
⭐⭐⭐⭐⭐
“Market Leader”
> Read review
0.42% Inclusive None related to investment portfolio. Credit Suisse Market leader with long track record in the pension industry. Fantastic prices and transparency. 25 CHF
Fee credit + entry to prize raffle with code HEROBB
VIAC
VIAC
4.8
⭐⭐⭐⭐⭐
“Market Leader”
> Read review
0.00% – 0.47% Inclusive – 0.05% Foreign currency conversion. WIR Bank &
Credit Suisse
Pioneers of the digital pension and a market leader. Cheaper than Finpension with a lower allocation of stocks. 1500 CHF
Managed free for life with codes
Frankly
Frankly
4.0
⭐⭐⭐⭐
“Best Customer Onboarding”
> Read review
0.45% Inclusive Additional fees apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
ZKB Strong option and come from an established traditional cantonal bank. Limited customization available and funds are hedged. 50 CHF
Fee credit with code ‘INVESTINGHERO’
Selma Finance
Selma Finance
4.0
⭐⭐⭐⭐
“Top Allrounder”
> Read review
0.47% – 0.68% 0.22% 0.075% – 0.15% Stamp duty
0.25% Foreign currency conversion
Saxo Bank & VZ Excellent option if you want to bundle the convenience of your roboadvisor investments all under one roof. Transparent. 5000 CHF
amount of assets managed for free + 50 CHF bonus!
Inyova
Inyova
3.5
⭐⭐⭐
“Best for Impact Investing”
> Read review
0.80% 0 – 0.24% Additional fees apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
Saxo Bank &
Liberty
Strong focus on investing sustainably, although very new to the pillar 3A scene. None
No promotion currently offered
Yappeal
Yappeal
One to watch
Not yet reviewed
0.47% Inclusive Additional fees apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
Yappeal &
Vontobel
Young startup partnered with established Vontobel, however very limited portfolios and stock exposure. One to watch. 30 CHF
Free bank account credit with code YAPS-8IEH-D705.
Freya
Freya
No Rating
Not yet reviewed
0.55% 0.30% – 0.11% Stamp duty
– 0.3% Foreign currency conversion
Graubündner Kantonalbank Not the cheapest, but transparent with pricing and has a strong sustainability focus. None
No promotion currently offered
Sparbatze
Sparbatze
N/A –  Zug Kantonalbank No longer in business
Vontobel Volt
Vontobel Volt
No Rating
Not yet reviewed
0.48% 0.23% – 0.42% Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
– Entry, exit and/or redemption fees
Vontobel Trusted and established. Provide a bespoke investing experience, which comes at a cost. None
No promotion currently offered
Descartes Vorsorge
Descartes Vorsorge
No Rating
Not yet reviewed
0.20% 0.45% – 0.65% None related to investment portfolio. Lienhardt & Partner Privatbank & UVZH Long track record and looks like a great alternative to the traditional banks. None
No promotion currently offered
VermögensZentrum
VermögensZentrum
No Rating
Not yet reviewed
0.68% Inclusive Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
VermögensZentrum Established yet not overly expensive. Good blend of a traditional and modern pension platform. None
No promotion currently offered
Post Finance
Post Finance
No Rating
Not yet reviewed
0.75% 0.82% – 1.01% Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
– Transaction costs
– Entry, exit and/or redemption fees
Post Finance & UBS Traditional Swiss bank which brings peace of mind, however this comes at a significant cost over the long term. None
No promotion currently offered
Raiffeisen 'Futura'
Raiffeisen ‘Futura’
No Rating
Not yet reviewed
1.05% – 1.29% Inclusive Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
– Transaction costs
– Entry, exit and/or redemption fees
Raiffeisen & Vontobel Traditional Swiss bank which brings peace of mind, however this comes at a significant cost over the long term. None
No promotion currently offered
UBS
UBS ‘VitaInvest’
No Rating
Not yet reviewed
0.15% – 1.29% 0.25% – 1.67% Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
– Transaction costs
– Entry, exit and/or redemption fees
UBS As above. The active investment products in particular are very expensive and haven’t been able to consistently beat the MSCI World benchmark. None
No promotion currently offered
Credit Suisse
Credit Suisse ‘Mixta’
No Rating
Not yet reviewed
Inclusive 0.90% – 1.43% Additional fees may apply but not all are disclosed:
– Stamp duty
– Foreign currency conversion
– Transaction costs
– Entry, exit and/or redemption fees
Credit Suisse As above re the other big Swiss banks, and like UBS the active funds carry a price premium. None
No promotion currently offered

Closing thoughts

This blog isn’t here to instruct you to ditch the bank pension fund, but hopefully the general pointers here enable you to make a more informed choice and consider the long term view.

In the end, its ok if you don’t have the best pension fund on the market. You still have a pension, which is a privilege many people don’t have. The fact you’ve made it this far reading my blog about boring pensions, means you care and want to make the right decisions with your finances. And that’s an awesome first step.

So whatever you decide, all credit to you for looking at your future wealth – good luck and thanks for reading!

📝 Note – If you are interested in broader topics, check out my investing in Switzerland and tax guide, and the roboadvisor comparison for more.

Regards
Mr. IH