{"id":8556,"date":"2025-09-21T18:05:58","date_gmt":"2025-09-21T16:05:58","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-partial-withdrawal-possible\/"},"modified":"2024-09-23T16:16:15","modified_gmt":"2024-09-23T14:16:15","slug":"pillar-3a-partial-withdrawal-possible","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-partial-withdrawal-possible\/","title":{"rendered":"Pillar 3a partial withdrawal possible?"},"content":{"rendered":"Lesedauer<\/span> 5<\/span> Minuten<\/span><\/span>\n

A pillar 3a partial withdrawal could revolutionize retirement provision for many people.\nImagine being able to withdraw your pension assets flexibly and in stages, instead of just the whole 3a or vested benefits accounts at once.\nThis possibility is currently being discussed in Swiss politics and could soon become a reality.\nFind out what is being discussed and what the advantages are for you. <\/p>\n\n\n\n

What is the current legal situation regarding pillar 3a benefits?<\/h2><\/div>\n\n

If you are thinking about your pillar 3a, you may be wondering whether you can withdraw part of it.\nThe legal situation here is clear: it is not possible to withdraw part of your pillar 3a assets.\nYou can only withdraw your Pillar 3a account or custody account in full.\nIt is also not possible to divide up pension assets at a later date. <\/p>\n\n

You can withdraw your pillar 3a assets early and in full if one of these exceptional cases applies:<\/p>\n\n

    \n
  • Five years before the reference age<\/a> at the earliest <\/li>\n\n\n\n
  • When taking up self-employment<\/li>\n\n\n\n
  • If you are moving abroad permanently from Switzerland<\/li>\n\n\n\n
  • For the purchase or amortization of owner-occupied residential property<\/li>\n\n\n\n
  • When drawing a full disability pension<\/li>\n<\/ul>\n\n

    An example: Max is 58 years old and lives in Zurich.\nHe would like to withdraw part of his pillar 3a assets to go on a trip around the world.\nThe legal situation does not allow this today.\nMax has to wait until he is 65 years old(reference age<\/a> for men) to withdraw his pillar 3a assets. <\/p>\n\n

    Taxes<\/a> are due on every withdrawal from pillar 3a.\nThe pension fund reports the payment directly to the tax authorities. <\/p>\n\n