{"id":8584,"date":"2024-04-28T10:29:36","date_gmt":"2024-04-28T08:29:36","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/bench-pillar-3a-experience-review-2024\/"},"modified":"2025-04-01T22:22:40","modified_gmt":"2025-04-01T20:22:40","slug":"bench-pillar-3a-experience-review-2024","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/bench-pillar-3a-experience-review-2024\/","title":{"rendered":"Bench Pillar 3a experience: Review 2025"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 12<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">Are you looking for guaranteed security and potential returns for your retirement provision? Our Bench pillar 3a experience could point you in the right direction. In this experience report, we check out the innovative Bench 3a pension product for you. Find out if it&#8217;s right for you.   <\/p>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-54d5fe0 stk-block-background\" data-block-id=\"54d5fe0\"><p class=\"stk-table-of-contents__title\">We answer these questions in the specialist article Bench Pillar 3a Experience and Review 2025:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#was-ist-bench-3-a\">What is Bench 3a?<\/a><\/li><li><a href=\"#wer-steckt-hinter-bench-3-a\">Who is behind Bench 3a?<\/a><\/li><li><a href=\"#wie-funktioniert-bench-3-a-und-die-anmeldung\">How does Bench 3a and registration work?<\/a><\/li><li><a href=\"#fur-wen-ist-bench-3-a\">Who is Bench 3a for?<\/a><\/li><li><a href=\"#kann-ich-aus-bench-3-a-wieder-aussteigen-was-kostet-das\">Can I get out of Bench 3a again? What does it cost? <\/a><\/li><li><a href=\"#warum-gilt-die-bench-garantie-nur-bei-meiner-pensionierung\">Why does the Bench Guarantee only apply when I retire?<\/a><\/li><li><a href=\"#wie-hoch-sind-die-gebuhren-unsere-bench-saule-3-a-erfahrungen-2025\">How high are the fees? Our Bench Pillar 3a experience 2025<\/a><\/li><li><a href=\"#wie-viel-muss-ich-anlegen\">How much do I need to invest?<\/a><\/li><li><a href=\"#welche-anlagestrategie-bietet-bench-3-a-an\">What investment strategy does Bench 3a offer?<\/a><\/li><li><a href=\"#welches-bench-3-a-garantieprodukt-soll-ich-wahlen\">Which Bench 3a guarantee product should I choose?<\/a><\/li><li><a href=\"#wie-kann-ich-mit-bench-3-a-nachhaltig-investieren\">How can I invest sustainably with Bench 3a?<\/a><\/li><li><a href=\"#was-macht-bench-einzigartig-unsere-bench-saule-3-a-erfahrungen\">What makes Bench unique? Our Bench Pillar 3a experience <\/a><\/li><li><a href=\"#welche-vorteile-hat-bench-3-a\">What are the advantages of Bench 3a?<\/a><\/li><li><a href=\"#welche-nachteile-hat-bench-3-a\">What are the disadvantages of Bench 3a?<\/a><\/li><li><a href=\"#was-ist-besser-bench-frankly-viac-oder-finpension\">Which is better: Bench, Frankly, VIAC or finpension?<\/a><\/li><li><a href=\"#zusammenfassung-bench-saule-3-a-erfahrungen-und-review-2025\">Summary Bench Pillar 3a experience and Review 2025<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5edf0a4\" id=\"was-ist-bench-3-a\" data-block-id=\"5edf0a4\"><h2 class=\"stk-block-heading__text\">What is Bench 3a?<\/h2><\/div>\n\n<p data-block-type=\"core\">Our Bench pillar 3a experience confirms that it is a new digital and innovative pillar 3a pension solution. It was launched in March 2024. Bench 3a gives you a guarantee on your paid-in assets at the time of retirement; unlike with securities, you know exactly and with certainty how much money you can count on later.    <\/p>\n\n<p data-block-type=\"core\">At the same time, Bench 3a offers a higher potential return than a classic 3a savings account. In the bench app, you can choose from three different guarantee levels: 80, 90 or 100 percent. With Bench 3a, a new product category is entering the Swiss 3a pension market alongside savings accounts, securities and policies.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-033638a\" id=\"wer-steckt-hinter-bench-3-a\" data-block-id=\"033638a\"><h2 class=\"stk-block-heading__text\">Who is behind Bench 3a?<\/h2><\/div>\n\n<p data-block-type=\"core\">Bench 3a is backed by Bench 3a Service AG. The company is a joint venture in which Leonteq AG and Glarner Kantonalbank each hold 50% of the shares. As a service provider, Bench Services AG acts on behalf of the Bench 3a Foundation. Both partners have brought their strengths to the collaboration: Leonteq from Zurich, which specializes in structured products, contributes its technological expertise, for example for the platform and the app. Glarner Kantonalbank is contributing its extensive banking expertise, which it has already demonstrated with other national fintech products (such as the Coop Finance+ solution or its own FreeME). After several years of development work, the partners are now launching an innovative pension solution.     <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-abbefc8\" id=\"wie-funktioniert-bench-3-a-und-die-anmeldung\" data-block-id=\"abbefc8\"><h2 class=\"stk-block-heading__text\">How does Bench 3a and registration work?<\/h2><\/div>\n\n<p data-block-type=\"core\">Our Bench Pillar 3a experience shows that it is an easy-to-use app<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.bench.pillar3a&amp;hl=de&amp;pli=1\" target=\"_blank\" rel=\"noreferrer noopener\">(Android<\/a>, <a href=\"https:\/\/apps.apple.com\/ch\/app\/bench-3a\/id6473840487?l=de\" target=\"_blank\" rel=\"noreferrer noopener\">iPhone<\/a>). There is currently no web solution. <\/p>\n\n<p data-block-type=\"core\">You can open your account online with your ID or passport. The process is simple and takes 2-3 minutes. You will need a cell phone number. After downloading the app, a playful, optional quiz with 4 questions checks that you have understood the main benefits and fees. Well thought out so that the right customers come to Bench 3a. Our scroller shows you how to get to Bench 3a in three steps.     <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a3ba38f\" id=\"schritt-1-kontaktdaten-und-bvg-status-erfassen\" data-block-id=\"a3ba38f\"><h2 class=\"stk-block-heading__text\">Step 1: Enter contact details and BVG status<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ded0772\" data-block-id=\"ded0772\"><p class=\"stk-block-text__text\">The first step is to enter your usual contact and address details. You also need to state whether you are self-employed or employed. <\/p><\/div>\n\n<div class=\"wp-block-stackable-horizontal-scroller stk-block-horizontal-scroller stk-block stk-2fd2239\" data-block-id=\"2fd2239\"><style>.stk-2fd2239-horizontal-scroller{--stk-snapping:start !important;--stk-scrollbar-track-color:#02b875 !important;--stk-scrollbar-thumb-color:#ffffff !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-2fd2239-horizontal-scroller stk--with-scrollbar\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-9d114a6\" data-v=\"4\" data-block-id=\"9d114a6\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-9d114a6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-9d114a6-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1.webp\" alt=\"\" class=\"wp-image-7459\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10214946\/Bench-3a-Onboarding-1-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Enter your cell phone number and you will receive an SMS code. You can then activate Face ID for faster login <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ce18b3c\" data-v=\"4\" data-block-id=\"ce18b3c\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ce18b3c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ce18b3c-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4.webp\" alt=\"\" class=\"wp-image-7465\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215931\/Bench-3a-Onboarding-4-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Add your name and e-mail address and confirm your place of residence in Switzerland &#8211; you can only open an account if you live here.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-1afb378\" data-v=\"4\" data-block-id=\"1afb378\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-1afb378-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-1afb378-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5.webp\" alt=\"\" class=\"wp-image-7467\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10215952\/Bench-3a-Onboarding-5-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">The date of your retirement is calculated based on the gender and date of birth you enter.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-456bc35\" data-v=\"4\" data-block-id=\"456bc35\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-456bc35-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-456bc35-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7.webp\" alt=\"\" class=\"wp-image-7471\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220106\/Bench-3a-Onboarding-7-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Depending on whether you are affiliated to a pension fund or not, you can pay different amounts into the 3a.  <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f3dc361\" data-v=\"4\" data-block-id=\"f3dc361\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f3dc361-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f3dc361-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8.webp\" alt=\"\" class=\"wp-image-7473\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220232\/Bench-3a-Onboarding-8-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">The data is then displayed again in the overview and you can make any necessary adjustments.  <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e352df2\" id=\"schritt-2-identitatsprufung-amp-vorsorgevereinbarung-akzeptieren\" data-block-id=\"e352df2\"><h2 class=\"stk-block-heading__text\">Step 2: Accept identity check &amp; pension agreement<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-885ba7c\" data-block-id=\"885ba7c\"><p class=\"stk-block-text__text\">In the second step, you take a photo of your ID so that your identity can be checked automatically and immediately. You will then be informed about the product again and accept the terms and conditions of the insurance. <\/p><\/div>\n\n<div class=\"wp-block-stackable-horizontal-scroller stk-block-horizontal-scroller stk-block stk-cc0c997\" data-block-id=\"cc0c997\"><style>.stk-cc0c997-horizontal-scroller{--stk-scrollbar-track-color:#02b875 !important;--stk-scrollbar-thumb-color:#ffffff !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-cc0c997-horizontal-scroller stk--with-scrollbar\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-0f0f8f8\" data-v=\"4\" data-block-id=\"0f0f8f8\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-0f0f8f8-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-0f0f8f8-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9.webp\" alt=\"\" class=\"wp-image-7475\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220536\/Bench-3a-Onboarding-9-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">So that Bench 3a knows that you are really you, you still have to identify yourself with ID. To do this, take a photo of the front and back of your ID. <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-c0d4fcb\" data-v=\"4\" data-block-id=\"c0d4fcb\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-c0d4fcb-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-c0d4fcb-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10.webp\" alt=\"\" class=\"wp-image-7477\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220601\/Bench-3a-Onboarding-10-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Your account will then be prepared. You will be crowned Superman or Superwoman &#8211; nice effect. <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-a6fb1c7\" data-v=\"4\" data-block-id=\"a6fb1c7\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-a6fb1c7-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-a6fb1c7-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11.webp\" alt=\"\" class=\"wp-image-7479\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220621\/Bench-3a-Onboarding-11-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">This is followed by another risk explanation about the guarantee and potential return, which you confirm by clicking the button.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b8612ac\" data-v=\"4\" data-block-id=\"b8612ac\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b8612ac-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b8612ac-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12.webp\" alt=\"\" class=\"wp-image-7481\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220650\/Bench-3a-Onboarding-12-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Finally, you accept the legal basis for your pension contract &#8211; you&#8217;re set!<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-74845a6\" data-v=\"4\" data-block-id=\"74845a6\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-74845a6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-74845a6-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13.png\" alt=\"\" class=\"wp-image-7483\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13.png 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-800x1732.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220735\/Bench-3a-Onboarding-13-400x866.png 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Everything is ready, now you can get started.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d3a1441\" id=\"schritt-3-produkt-auswahlen\" data-block-id=\"d3a1441\"><h2 class=\"stk-block-heading__text\">Step 3: Select product<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-127c2ce\" data-block-id=\"127c2ce\"><p class=\"stk-block-text__text\">In the third and final step, you select your guarantee product in the app and prepare the deposit or a transfer of 3a credit.<\/p><\/div>\n\n<div class=\"wp-block-stackable-horizontal-scroller stk-block-horizontal-scroller stk-block stk-aee1bbf\" data-block-id=\"aee1bbf\"><style>.stk-aee1bbf-horizontal-scroller{--stk-scrollbar-track-color:#02b875 !important;--stk-scrollbar-thumb-color:#ffffff !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-aee1bbf-horizontal-scroller stk--with-scrollbar\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-bc8bcd6\" data-v=\"4\" data-block-id=\"bc8bcd6\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-bc8bcd6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-bc8bcd6-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome.png\" alt=\"\" class=\"wp-image-7487\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome.png 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-800x1732.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220858\/Bench-3a-App-Main-Screen-blank-welcome-400x866.png 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">In the app, you will first be asked to confirm your e-mail address. Then click on &#8220;Select product&#8221; <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-5eaeff1\" data-v=\"4\" data-block-id=\"5eaeff1\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-5eaeff1-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-5eaeff1-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"1170\" height=\"2532\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte.png\" alt=\"\" class=\"wp-image-7489\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte.png 1170w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-800x1731.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-946x2048.png 946w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10220914\/Bench-3a-App-Garantieprodukte-400x866.png 400w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">In my case, 3 alternatives are offered, with a potential return of 1.8 %, 2.7 % or 3.3 % per year. This is already significantly more than the current maximum interest rate on a pillar 3a account. <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-77f402c\" data-v=\"4\" data-block-id=\"77f402c\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-77f402c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-77f402c-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"1170\" height=\"2532\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80.png\" alt=\"\" class=\"wp-image-7491\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80.png 1170w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-800x1731.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-946x2048.png 946w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221056\/Bench-3a-App-Garantieprodukt-Bench-80-400x866.png 400w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">I have opted for bench 80.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-7959012\" data-v=\"4\" data-block-id=\"7959012\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-7959012-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-7959012-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"1170\" height=\"2532\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1.png\" alt=\"\" class=\"wp-image-7493\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1.png 1170w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-800x1731.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-946x2048.png 946w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221156\/Bench-3a-App-Main-Screen-Bench-80-1-400x866.png 400w\" sizes=\"auto, (max-width: 1170px) 100vw, 1170px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">You can now pay into Bench 3a and have the payment slip sent to you by e-mail.  <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e8c999d\" data-v=\"4\" data-block-id=\"e8c999d\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e8c999d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-e8c999d-inner-blocks\">\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><img loading=\"lazy\" decoding=\"async\" width=\"887\" height=\"1920\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer.png\" alt=\"\" class=\"wp-image-7495\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer.png 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-800x1732.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-315x682.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-768x1662.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-710x1536.png 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-360x779.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10221306\/Bench-3a-App-Transfer-400x866.png 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/figure>\n\n\n\n<p data-block-type=\"core\">Alternatively, you can also transfer a 3a balance to Bench 3a. The money transporter picture goes well with this\ud83d\ude09 <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a2f836e\" id=\"fur-wen-ist-bench-3-a\" data-block-id=\"a2f836e\"><h2 class=\"stk-block-heading__text\">Who is Bench 3a for?<\/h2><\/div>\n\n<p data-block-type=\"core\">Many Swiss prefer a savings account for their 3a investments. In this way, they forgo the growth of their assets until retirement. If you are looking for an uncomplicated solution to benefit from growth opportunities on the capital market and at the same time want certainty as to how much you will receive &#8220;at the end&#8221;, then Bench may be of interest to you. Depending on the guarantee level you choose and the remaining term until retirement, you can expect around 1-4% potential return per year &#8211; after costs. The return opportunity arises because bench 3a invests part of your 3a payments in Swiss equities.    <\/p>\n\n<p data-block-type=\"core\">The solution is designed to appeal to digitally savvy, young and security-conscious target groups. This is underlined by the consistent imagery in the advertising, website and app. The market launch is being supported by a renowned Swiss <a href=\"https:\/\/www.farner.ch\/de\/insights\/lancierungskampagne-fuer-neue-3a-vorsorgeloesung\/\" target=\"_blank\" rel=\"noreferrer noopener\">marketing agency<\/a> and will be played out exclusively on digital channels.  <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-953db42\" data-block-id=\"953db42\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7443\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer.webp\" width=\"1000\" height=\"685\" alt=\"Bench Pillar 3a experience 3a transfer\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer.webp 1000w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer-800x548.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer-315x216.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer-768x526.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer-360x247.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10132200\/Bench-3a-Erfahrungen-Transfer-400x274.webp 400w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/span><figcaption class=\"stk-img-figcaption\">Quelle: bench. Ch, april 2024<\/figcaption><\/figure><\/div>\n\n<p data-block-type=\"core\">Bench 3a attacks the market segment of 3a insurance policies and 3a account savers. This is because it offers customers guaranteed assets on withdrawal, but without what we consider to be overpriced insurance cover. In addition, the digital distribution channel eliminates the high costs of the distribution channel for traditional 3a policies, whose acquisition commissions amount to several thousand francs depending on the term.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4a093a9\" id=\"kann-ich-aus-bench-3-a-wieder-aussteigen-was-kostet-das\" data-block-id=\"4a093a9\"><h2 class=\"stk-block-heading__text\">Can I get out of Bench 3a again? What does it cost? <\/h2><\/div>\n\n<p data-block-type=\"core\">With Bench 3a, the guarantee applies at the time of retirement. Only then. Strictly speaking, it applies in the month in which you turn 65. If you leave Bench 3a before then, for example because you transfer your 3a assets to another provider or withdraw them for home ownership, the amount paid out may be less than the sum of your deposits.   <\/p>\n\n<p data-block-type=\"core\">In the event of an early exit, you will then receive the settlement value. This is the current &#8220;sales value&#8221; of your credit balance. The settlement value fluctuates and can be above or below your guaranteed amount. It is shown in the app at all times. The payout is usually made within 35 days.    <\/p>\n\n<p data-block-type=\"core\">You can also leave your assets in Bench 3a beyond the normal retirement age &#8211; if you work longer. You can request the deferral from Bench Support. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ccb2e03\" id=\"warum-gilt-die-bench-garantie-nur-bei-meiner-pensionierung\" data-block-id=\"ccb2e03\"><h2 class=\"stk-block-heading__text\">Why does the Bench Guarantee only apply when I retire?<\/h2><\/div>\n\n<p data-block-type=\"core\">Well, that&#8217;s explained pretty quickly. Part of your money is invested in a basket of Swiss equities and part earns interest as zero bonds with final maturity on your retirement date. This is why the Bench 3a Foundation can only be sure that at least the insured money will flow back to it at the agreed time. This is why you only receive the Bench 3a guarantee promise on this date. Until then, you bear the risk of fluctuations in value and the chance of an increase in value from the equity basket and the zero bond. Accordingly, the settlement value before retirement may be higher or lower than the amount you pay in, depending on the performance of shares and interest rates.<\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-7705d73\" data-block-id=\"7705d73\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7447\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc.webp\" width=\"1200\" height=\"800\" alt=\"Bench Pillar 3a experience 2025\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140144\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_relaxed-young-family-on-the-bench-in-the-park-2023-11-27-05-05-51-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a1eb4a5\" id=\"wie-hoch-sind-die-gebuhren-unsere-bench-saule-3-a-erfahrungen-2025\" data-block-id=\"a1eb4a5\"><h2 class=\"stk-block-heading__text\">How high are the fees? Our Bench Pillar 3a experience 2025<\/h2><\/div>\n\n<p data-block-type=\"core\">The Bench 3a product is designed and structured differently to the previously known 3a products. For this reason, the fees cannot be compared 1:1 with those of other providers. <\/p>\n\n<p data-block-type=\"core\">The all-in fee is 0.8 %. This is rather high compared to 3a providers with equity solutions. In return, you get a guarantee &#8211; more on this in a moment. Classic 3a savings accounts are free of charge.   <\/p>\n\n<p data-block-type=\"core\">The flat fee is charged monthly on the account value and includes all running costs. The actual fee may be lower and is shown in the reporting. A payout at the time of your retirement is free of charge. The <a href=\"https:\/\/www.bench.ch\/api\/documents\/gebuehrenreglement.de.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Foundation<\/a> &#8216;s fee regulations provide for industry-standard expense allowances for special cases (such as withdrawals for residential property).   <\/p>\n\n<p data-block-type=\"core\">Our Bench Pillar 3a experience and market expertise show that we can break down the fee as follows:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">0.0 % standard market administration costs for 3a savings account<\/li>\n\n\n\n<li data-block-type=\"core\">0.2 % standard market costs for ETF on SMI-Switzerland (e.g. this <a href=\"https:\/\/www.justetf.com\/ch\/etf-profile.html?isin=CH0017142719\" target=\"_blank\" rel=\"noreferrer noopener\">ETF<\/a>)<\/li>\n\n\n\n<li data-block-type=\"core\">0.6 % Residual amount for guarantee &amp; margin Provider<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ecac749\" id=\"wie-viel-muss-ich-anlegen\" data-block-id=\"ecac749\"><h2 class=\"stk-block-heading__text\">How much do I need to invest?<\/h2><\/div>\n\n<p data-block-type=\"core\">Bench 3a has no minimum deposit. You can deposit from 1 franc. If you do not make any deposits, there are no fees.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-07c1163\" id=\"welche-anlagestrategie-bietet-bench-3-a-an\" data-block-id=\"07c1163\"><h2 class=\"stk-block-heading__text\">What investment strategy does Bench 3a offer?<\/h2><\/div>\n\n<p data-block-type=\"core\">Bench 3a does not offer investment strategies, but guarantee levels at the time of drawing. Your guarantee amount at retirement is based on your payments and your chosen guarantee product. <\/p>\n\n<p data-block-type=\"core\">Unfortunately, there is no more precise information on the products &#8220;of the Swiss equity market&#8221; in which the return portion of the deposits is invested, either in the app or on the website of the new offer. On request, Bench 3a informed us that it is a basket of the most important Swiss equities with fluctuation control. Leonteq&#8217;s background as a derivatives specialist suggests that the price performance is replicated synthetically.  <\/p>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Guarantee level<\/th><th>Performance<\/th><th><strong>Costs<\/strong><\/th><\/tr><\/thead><tbody><tr><td>bench 80<\/td><td>80 % capital guarantee. You are guaranteed to get at least 80% of your deposits back &#8211; at least <\/td><td>0.8 % p. a.<\/td><\/tr><tr><td>bench 90<\/td><td>90 % capital guarantee. You are guaranteed to get at least 90% of your deposits back &#8211; at least<\/td><td>0.8 % p. a.<\/td><\/tr><tr><td>bench 100<\/td><td>100 % capital guarantee. For every franc you pay in, you are sure to get one franc back when you retire &#8211; at least. <\/td><td>0.8 % p. a.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Bench guarantee products at a glance<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-455fec9\" data-block-id=\"455fec9\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8b454e6\" id=\"welches-bench-3-a-garantieprodukt-soll-ich-wahlen\" data-block-id=\"8b454e6\"><h2 class=\"stk-block-heading__text\">Which Bench 3a guarantee product should I choose?<\/h2><\/div>\n\n<p data-block-type=\"core\">Well, that&#8217;s a question of personal preference. After all, the Bench 3a guarantee products all cost the same. We assume that bench 80, 90 and 100 invest different proportions in Swiss equities. This is the only way to explain the differences in returns. Accordingly, the guarantee benefit with the bench 100 strategy is the most expensive for the provider &#8211; and for you &#8211; because more of the guarantee benefit has to be secured for the time of payout.    <\/p>\n\n<p data-block-type=\"core\">In general, the lower the guarantee you choose, the higher your potential return &#8211; and your potential loss in the event of early termination. This is because if you withdraw your assets BEFORE retirement, the guarantee does not apply.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f1624d7\" id=\"wie-kann-ich-mit-bench-3-a-nachhaltig-investieren\" data-block-id=\"f1624d7\"><h2 class=\"stk-block-heading__text\">How can I invest sustainably with Bench 3a?<\/h2><\/div>\n\n<p data-block-type=\"core\">Bench 3a is a mixture of a savings account with a return boost from the Swiss equity market and an insurance benefit for your deposits. Our Bench pillar 3a experience shows that you therefore cannot influence the selection of securities yourself and invest sustainably in a targeted manner. If this is important to you, you can find suitable providers in the pillar 3a product finder.  <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-e67c641\" data-block-id=\"e67c641\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7449\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc.webp\" width=\"1200\" height=\"771\" alt=\"Bench Pillar 3a experience 2025\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc-800x514.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc-315x202.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc-768x493.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc-360x231.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140224\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_style-redhead-girl-sitting-on-the-bench-in-the-caf-2023-11-27-05-32-38-utc-400x257.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-87c663c\" id=\"was-macht-bench-einzigartig-unsere-bench-saule-3-a-erfahrungen\" data-block-id=\"87c663c\"><h2 class=\"stk-block-heading__text\">What makes Bench unique? Our Bench Pillar 3a experience <\/h2><\/div>\n\n<p data-block-type=\"core\">When you retire, you always get at least your guaranteed amount back. So you can plan with a minimum amount without any worries. You might even get a shot of the performance of the Swiss stock market on top &#8211; that&#8217;s what sets Bench 3a apart from traditional 3a savings accounts.  <\/p>\n\n<p data-block-type=\"core\">VIAC offers a similar product, but without a guaranteed repayment amount. With the <a href=\"https:\/\/viac.ch\/app\/uploads\/VIAC-Konto-Plus-Global-CS-3a-DE.pdf\" target=\"_blank\" rel=\"noopener\">VIAC 3a Account Plus Global<\/a>, 95 % of your pension assets are held in the 3a account and earn interest at 0.80 % (as at January 2025) per year. The remaining 5 % is invested globally and broadly diversified in equities. This increases the return and the risk somewhat, but there is no guarantee at the time of payout. However, this strategy is free of charge.    <\/p>\n\n<p data-block-type=\"core\">If you plan to invest your money until you retire and have at least 8 years to go until then, the bench 100 strategy offers higher potential returns despite the costs, as a look at the calculator on their <a href=\"https:\/\/www.bench.ch\/de\" target=\"_blank\" rel=\"noopener\">website<\/a> shows.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d917877\" id=\"welche-vorteile-hat-bench-3-a\" data-block-id=\"d917877\"><h2 class=\"stk-block-heading__text\">What are the advantages of Bench 3a?<\/h2><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">The guarantee protects your payments on retirement<\/li>\n\n\n\n<li data-block-type=\"core\">Deposits are secured by a cantonal bank with a state guarantee<\/li>\n\n\n\n<li data-block-type=\"core\">Simple and user-friendly app<\/li>\n\n\n\n<li data-block-type=\"core\">Fast opening process that only takes a few minutes and does not require a visit to the bank<\/li>\n\n\n\n<li data-block-type=\"core\">Start from as little as CHF 1<\/li>\n\n\n\n<li data-block-type=\"core\">No &#8220;small print&#8221; in the fees &#8211; the flat fee really does include everything<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c116686\" id=\"welche-nachteile-hat-bench-3-a\" data-block-id=\"c116686\"><h2 class=\"stk-block-heading__text\">What are the disadvantages of Bench 3a?<\/h2><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">&#8220;Security has its price.&#8221; &#8211; the guarantee costs you approx. 0.4 % more than a pure 3a securities solution<\/li>\n\n\n\n<li data-block-type=\"core\">Missing web solution<\/li>\n\n\n\n<li data-block-type=\"core\">unclear how the Swiss equity component will be invested<\/li>\n\n\n\n<li data-block-type=\"core\">You will only receive the guaranteed amount at a certain point in time: your <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/normal-retirement-age\/\">ordinary AHV reference age<\/a> valid at the time you take out the policy <\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-30c7c89\" id=\"was-ist-besser-bench-frankly-viac-oder-finpension\" data-block-id=\"30c7c89\"><h2 class=\"stk-block-heading__text\">Which is better: Bench, Frankly, VIAC or finpension?<\/h2><\/div>\n\n<p data-block-type=\"core\">We find that all solutions have their advantages. We have examined each solution in a separate article<a href=\"https:\/\/www.smolio.ch\/wissen\/frankly-saeule-3a-erfahrungen-review-2025\/\">(frankly<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/viac-3a-en\/\">VIAC<\/a>, <a href=\"https:\/\/www.smolio.ch\/wissen\/finpension-3a-erfahrungen-und-review-2024\/\">finpension<\/a>. You cannot directly compare Bench 3a with these equity solutions. This is because with Bench 3a you are obviously interested in a product with &#8220;security and opportunity&#8221;, which is not comparable in profile with the pure savings or equity solutions of VIAC, Frankly or finpension.    The best way to get an idea of the providers is to use our Pillar 3a product finder.<\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-97e69e1\" id=\"zusammenfassung-bench-saule-3-a-erfahrungen-und-review-2025\" data-block-id=\"97e69e1\"><h2 class=\"stk-block-heading__text\">Summary Bench Pillar 3a experience and Review 2025<\/h2><\/div>\n\n<p data-block-type=\"core\">Bench 3a is a real innovation in the Swiss pension market. Our Bench pillar 3a experience shows that it is a combination of a savings book with a return booster through Swiss equities and a guarantee for your deposits. With Bench 3a, you know exactly and worry-free how much you will receive when you withdraw your pillar 3a. At the same time, you have the chance of capital growth until withdrawal. This can be interesting for people who only have a few years until retirement and will need their 3a money then, or for people with little experience or confidence in the capital market.      <\/p>\n\n<p data-block-type=\"core\">The product closes a gap between the need for security and the desire for an attractive return opportunity. However, as always, there is never a &#8220;Foifer und &#8216;s Weggli&#8221; at the same time. You pay for the security with an annual fee that exceeds digital 3a securities solutions, but is significantly lower than the costs of many 3a pension funds from banks.  <\/p>\n\n<p data-block-type=\"core\">It will be interesting to see whether Leonteq and Glarner Kantonalbank can muster enough marketing power to take a slice of the 3a pension cake from 3a insurance and 3a savings accounts. In our view, the solution is less interesting for 3a equity savers, and as the exit of other <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/digital-pension-apps-pando-3a-sparbatze-and-freya-bye\/\">digital pension apps<\/a> shows, the pillar 3a market is highly competitive. <\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-6b5c1e7 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-6b5c1e7-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-6b5c1e7-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-6b5c1e7 h1,.ugb-6b5c1e7 h2,.ugb-6b5c1e7 h3,.ugb-6b5c1e7 h4,.ugb-6b5c1e7 h5,.ugb-6b5c1e7 h6{color:#ffffff}.ugb-6b5c1e7 p,.ugb-6b5c1e7 li,.ugb-6b5c1e7 label,.ugb-6b5c1e7 table{color:#ffffff}.ugb-6b5c1e7-content-wrapper > h1,.ugb-6b5c1e7-content-wrapper > h2,.ugb-6b5c1e7-content-wrapper > h3,.ugb-6b5c1e7-content-wrapper > h4,.ugb-6b5c1e7-content-wrapper > h5,.ugb-6b5c1e7-content-wrapper > h6{color:#ffffff}.ugb-6b5c1e7-content-wrapper > p,.ugb-6b5c1e7-content-wrapper > ol li,.ugb-6b5c1e7-content-wrapper > ul li{color:#ffffff}.ugb-6b5c1e7 a,.ugb-6b5c1e7 a:visited,.ugb-6b5c1e7 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-6b5c1e7-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-6b5c1e7-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-jetzt-neue-saule-3a-mit-sicherheit-und-gleichzeitiger-chance-eroffnen\">Open a new pillar 3a with security and opportunity now<\/h3>\n\n\n\n<p id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">With Bench 3a you get a carefree guarantee on retirement and at the same time the chance of capital growth until then.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-fc87083\" data-block-id=\"fc87083\"><style>.stk-fc87083 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-fc87083 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-fc87083 .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-47ce36f\" data-block-id=\"47ce36f\"><style>.stk-47ce36f .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/bench.ch\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">Discover Bench 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-83b6411 stk-block-background\" data-block-id=\"83b6411\" data-block-type=\"core\" data-block-type=\"core\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-83b6411-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f2ad0b4\" data-v=\"4\" data-block-id=\"f2ad0b4\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f2ad0b4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f2ad0b4-inner-blocks\">\n<h4 class=\"wp-block-heading has-small-font-size\" id=\"h-disclaimer\">Disclaimer<\/h4>\n\n\n\n<p class=\"has-small-font-size\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">We have taken great care in compiling the content of this article. Nevertheless, we cannot rule out errors and cannot guarantee that the content is correct, up-to-date or complete. This article does not replace tax advice. We do not offer investment or tax advice and recommend that tax issues are always clarified with a tax expert and\/or the relevant cantonal tax authorities. Any liability is rejected.    <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-594c3c7\" id=\"weitere-fa-qs-zu-bench-saule-3-a\" data-block-id=\"594c3c7\"><h2 class=\"stk-block-heading__text\">Further FAQs on Bench Pillar 3a<\/h2><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-00840ef\" id=\"bench-3-a-support-wie-erreiche-ich-den-bench-3-a-kundendienst\" data-block-id=\"00840ef\"><h3 class=\"stk-block-heading__text\">Bench 3a Support &#8211; how do I contact Bench 3a customer service?<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-eeef590\" data-block-id=\"eeef590\"><p class=\"stk-block-text__text\">Bench 3a customer service is available free of charge by telephone from Switzerland on +41 800 80 9010 during the week from 9 to 12 and 14 to 17. You can also send an e-mail to info@bench.ch. Or you can browse through the Bench 3a FAQs on the <a href=\"https:\/\/www.bench.ch\/de\/faq\" target=\"_blank\" rel=\"noreferrer noopener\">website<\/a>.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5158579\" id=\"wie-sicher-ist-bench-3-a\" data-block-id=\"5158579\"><h3 class=\"stk-block-heading__text\">How safe is Bench 3a?<\/h3><\/div>\n\n<p id=\"block-16f127df-577f-4b7a-989d-fba774f7506b\" data-block-type=\"core\">In our view, the app solution is state of the art. Onboarding in the app works with your cell phone, so it is personalized for you. As with all 3a solutions, your assets are held in a pension foundation, in this case the Bench 3a Foundation. The foundation is based in Glarus (GL). The savings deposit is held at Glarner Kantonalbank. This bank has a state guarantee.       <\/p>\n\n<p id=\"block-16f127df-577f-4b7a-989d-fba774f7506b\" data-block-type=\"core\">Bench Services AG is only responsible for managing the foundation, but does not make any investment decisions or manage the assets. If the foundation were to fail, your pension assets would not be affected because your assets are held by the foundation. The structure is similar to that of other providers of digital pension solutions. You can find out more about the security of pillar 3a deposits in this <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\">article<\/a>. We therefore have nothing to criticize about the security of Bench 3a Pillar 3a.    <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a465027\" id=\"wie-kann-ich-mein-garantieniveau-wechseln\" data-block-id=\"a465027\"><h3 class=\"stk-block-heading__text\">How can I change my guarantee level?<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0375541\" data-block-id=\"0375541\"><p class=\"stk-block-text__text\">If you want to change the guarantee level, you can do so at any time in the app.\nPlease note that a higher guarantee level currently only applies to your future deposits. <\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Are you looking for guaranteed security and potential returns for your retirement provision? Bench 3a could be the right solution for you. In this experience report, we check out the innovative Bench 3a pension product for you.    <\/p>\n","protected":false},"author":8,"featured_media":7446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260,2177],"tags":[2292,2262,2408,2407,483,2261],"class_list":{"0":"post-8584","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-invest-in-pillar-3a","8":"category-understanding-the-swiss-pension-system","9":"tag-change-pillar-3a","10":"tag-pillar-3a","11":"tag-pillar-3a-guarantee","12":"tag-pillar-3a-security","13":"tag-saeule-3a-wechseln","14":"tag-securities-savings-pillar-3a"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/10140034\/Smolio-Blog_Bench-Saule-3a_Erfahrungen_portrait-of-confident-young-woman-sitting-on-a-ben-2023-11-27-05-26-09-utc-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>Are you looking for guaranteed security and potential returns for your retirement provision? Bench 3a could be the right solution for you. In this experience report, we check out the innovative Bench 3a pension product for you.    <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/\" rel=\"category tag\">Understanding the Swiss pension system<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8584"}],"version-history":[{"count":9,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8584\/revisions"}],"predecessor-version":[{"id":10325,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8584\/revisions\/10325"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7446"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}