Withdrawal of the 3rd Pillar in Switzerland: Conditions, Procedures and Tax optimization
Withdrawing your 3rd pillar pension is a key step in financial planning. It usually takes place at retirement, but Swiss law also allows it in specific situations: buying a home, becoming self-employed, disability, or leaving Switzerland permanently. Each case comes with its own rules and tax implications. At FBKConseils, we help you understand your rights and optimize your withdrawals to reduce taxes and secure your projects.
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Why choose FBKConseils?
At FBKConseils, our entire team is highly qualified, experienced and passionate about guiding you through every stage of your financial journey.
In-depth tax and financial expertise
We specialize in Swiss individual taxation and have extensive knowledge of the rules governing the 3rd pillar. We know how to identify the best strategies to lower your taxes and avoid unpleasant surprises related to buyback values or cantonal tax rates.
Tailor-made optimization strategies
Every situation is unique: early retirement, real estate projects, business creation, or relocation abroad. We carefully analyze your file to find the best combination to minimize taxes while maximizing the funds available to you.
Personalized support from A to Z
From the first free consultation to the actual withdrawal of your funds, we are by your side. We prepare all necessary documents, coordinate with banks or insurance companies, and guide you step by step so everything runs smoothly.
A human, clear and transparent approach
We believe in education and knowledge sharing. Instead of giving you generic answers, we take the time to explain each step so you truly understand the administrative and tax implications of your withdrawal. Our fees are presented upfront, with no hidden costs. You know exactly what we do for you and the benefits you will gain.
Our offers for 3rd pillar withdrawal
With us, everything starts with a free introductory meeting, either at our office or via video call. This allows us to get to know your needs and guide you in the best possible way.
0.-
Includes:
- Free 15-minute introductory consultation.
- Answers to your first questions.
- No commitment required.
195.-
/hour
Includes:
- Free 15-minute introductory consultation.
- Detailed advisory meeting with first analysis.
- File preparation and follow-up.
- Tax optimization strategy.
- Full support until your 3rd pillar assets are effectively withdrawn.
They already trust us.
No, withdrawals are generally made in full. The only exception: a partial withdrawal is possible when buying a primary residence, if the required equity amount is already covered.
It is the contractual value of your 3rd pillar insurance at a given year, representing the amount you will receive if you withdraw. The buyback value is defined in the contract and may differ from the actual savings you paid in.
Swiss law provides 5 possible cases:
o Permanent departure from Switzerland.
o Starting a self-employed activity.
o Buying a primary residence.
o Reaching retirement age (up to 5 years before).
o In case of disability.
A standard withdrawal takes place when the contract matures, at legal retirement age (65 years). It can also be made up to 5 years before or after the legal retirement age.
Find our articles on this topic.
How much taxes will you have to pay if you withdraw your pillar 3A?
Reading time 4 min. Updated on February 4th, 2025.
When and how to withdraw the pillar 3A?
Reading time 5 min. Updated on October 24th, 2025.