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Pillar 3a - a must for your future

Make sure you can afford stuff in the future. Get an investment plan for pillar 3a to make sure your money grows with you.

Get pillar 3a today

Get the most out of your retirement savings

  • Save taxes, no matter what

    Invest your pillar 3a money every year to save a substantial amount of money. The more you invest, the more you save! All while taking care of your eventual retirement.

  • Let Selma handle both investment strategies

    When you have your private investments and pillar 3a investments at Selma, Selma makes sure that strategies fit together! It's all one plan. Things change for your pension? The rest of the strategy changes accordingly.

  • Save on fees

    Selma's all-in-one fee is calculated across both accounts. By managing both accounts at Selma you save on fees.

  • Do good with sustainable investments

    All products in Selma’s pillar 3a plans adhere to certain sustainability standards. They were chosen to deliver the same or better expected return and come with the same risk level as alternatives that might not follow sustainability criteria.

Why should I get pillar 3a?

Pillar 3a is a Swiss, tax-friendly way to put money away for retirement. It is the most important solution to make sure you can afford things once you retire.

  • Up to 97% in stocks

    High percentage of stocks in a plan means a higher expected return – if your financial life allows for ups and downs, Selma will recommend a high stocks plan.

  • Start with 500 CHF

    Get a full global investment plan for as little as 500 CHF.

  • Reliable pension partner

    VZ Vermögenszentrum is Selma’s partner for your pillar 3a investments.

  • Secure bank account

    Your pillar 3a savings will be safe on an account under your name at Selma’s pension partner.

  • Low cost investments

    VZ Vermögenszentrum is constantly refining the choice of investment products to keep costs low and return high.

  • Combined investments

    At Selma you pay less as your wealth grows – across your investments and pillar 3a contributions.

  • Move your pillar 3a freely

    Move to or from another pillar 3a investment provider for free.

  • Selma crew support

    Ping the Selma crew via live chat with any question.

Put your money to work for you

An investment needs time to grow, so the longer your money is in the market, the more chances you have to grow your investments. Invest for the long run and take full advantage of the benefit of compounding interest.

Common account180.000 CHF
Investing account558.000 CHF
Monthly deposit of 500 CHF
Graph representing the growing of your savings across the years.

Chart is a hypothetical comparison and shows you the development of your investments with an average return of 7% per year. Investing comes always with the risk of loss and performance is not guaranteed. Learn more in our FAQs.

Selma's pension expert

Selma joined forces with VZ Vorsorgestiftung, Switzerland’s established expert in pension and tax matters to develop an affordable solution.

Questions you may have

How much can I save in taxes?

In most cases you can save about 20-30% of your pillar 3a investments. With the 2022 maximum of 7'056 CHF, this means about 2'000 CHF for employees who pay into pension funds.  There are certain cases when the savings can differ, they depend on your income and canton. Ask Selma's customer support team if you'd like to find out more!

Can’t find the answer you’re looking for? Our team of experts will help with your questions via live chat or visit our FAQs.

Visit our FAQs

Start taking care of your retirement

Check out your recommended plan, open your account and start investing. Online, in minutes.