{"id":8678,"date":"2018-09-14T12:27:19","date_gmt":"2018-09-14T10:27:19","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-at-30when-is-it-time-to-take-care-of-your-pension-provision\/"},"modified":"2025-03-16T14:52:11","modified_gmt":"2025-03-16T13:52:11","slug":"pillar-3a-at-30when-is-it-time-to-take-care-of-your-pension-provision","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-at-30when-is-it-time-to-take-care-of-your-pension-provision\/","title":{"rendered":"Pillar 3a at 30? When is it time to take care of your pension provision?"},"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\"> 5<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p class=\"has-text-align-left\" data-block-type=\"core\">50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many compared to all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take precautions? And what does it take? We provide a quick guide to the 3rd pillar.<\/p>\n\n<!--more-->\n\n<p data-block-type=\"core\">Together with the Zurich University of Applied Sciences ZHAW, Raiffeisen surveyed the Swiss on the topic of retirement provision and summarized the results in the <a href=\"https:\/\/www.raiffeisen.ch\/content\/dam\/www\/rch\/pdf\/publikationen\/Studien\/de\/raiffeisen-vorsorgebarometer-2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2018 Pension Barometer<\/a>. On the one hand, we read that the Swiss are not particularly confident about their pension provision. On the other hand, trust in the pension system is rather low, and there is a belief that people should take care of themselves. At the same time, <strong>many Swiss people underestimate their needs in retirement <\/strong>\u2013 and therefore run the risk of not having the money they need later on.   <\/p>\n\n<div class=\"knowledge\">\n<div><i class=\"fa fa-book\"><\/i>  A few basic findings from the study<\/div>\n<ul>\n<li>Knowledge and personal competence in preventive care are low (340 out of 1000 index points), compared with \u201cI trust the three-pillar system\u201d (620 out of 1000) and \u201cI take care \/ my attitude to preventive care\u201d (642 out of 1000).<\/li>\n<li><strong>75% see themselves as responsible for their financial retirement provision<\/strong> (80% in D-CH, 66% in French-speaking Switzerland and 62% in Ticino).<\/li>\n<li><strong>\u201cHelp yourself and you will be helped\u201d<\/strong>:<strong> Confidence in the future viability and financial strength of one\u2019s own private pension provision with the 3rd pillar is the highest<\/strong> (45%); AHV and the 2nd pillar only come in at 15% each.<\/li>\n<li>In the Swiss pension system, the funds from the AHV and pension fund should reach around 60% of the income earned <em>before<\/em> retirement \u2013 this applies to average incomes. But: 63% of those surveyed believe that they will need the same or even MORE money after retirement than at the age of 55-65. Of young adults (18-30 years), 22% even believe that they will need more; only 2% of older adults (51-65 years) believe this. <strong>Many therefore underestimate their pension gap: While the pension system for average incomes is geared towards around a third <em>less<\/em> income after retirement, two thirds of respondents want <em>the same amount or more<\/em>. <\/strong>At Smolio, the default settings in the <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener noreferrer\">pension cockpit<\/a> are based on the tried-and-tested rule of thumb that income after retirement should reach 80% of earned income.  <\/li>\n<\/ul>\n<\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d6c5bf6\" id=\"der-mix-aus-nichtwissen-zur-altersvorsorge-und-falscher-einschatzung-der-situation-ist-kritisch\" data-block-id=\"d6c5bf6\"><h2 class=\"stk-block-heading__text\">The mix of ignorance about retirement provision and incorrect assessment of the situation is critical<\/h2><\/div>\n\n<p data-block-type=\"core\"><strong>84% do not deal with the topic of old-age provision at all, too little or too late.<\/strong>  Most people find it difficult to find information on the Internet, i.e. to become active themselves, which is why a fifth of the Swiss are most likely to turn to their own environment.  <strong>Almost 40% of the young age group (18 to 30-year-olds) even trust the opinion of friends, acquaintances and relatives.  <\/strong>For them, peer groups and their private environment play a much greater role than independent advisors, banks or insurance companies. Only a few inform themselves about retirement provision on the Internet. Perhaps because the topic of retirement provision is often seen as complicated. You\u2019re not one of them, otherwise you wouldn\u2019t be reading this article \u2026   <\/p>\n\n<div class=\"knowledge\">\n<div><i class=\"fa fa-book\"><\/i>  The figures from the survey in detail<\/div>\n<ul>\n<li>Why are people addressing the issue of retirement provision? To maintain their standard of living in old age (35%), uncertainty about the Swiss pension system (22%), to save taxes (18%). Put simply, <em>fear<\/em> is the central motive for almost 60%.  <\/li>\n<li>Why don\u2019t people think about retirement provision? Too young (44%), no\/too little money (40%), too complicated (22%), not interested (9%). The younger you are, the earlier you start to deal with the topic, the better it is for you. You can read why this is the case in the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more\/\" target=\"_blank\" rel=\"noopener noreferrer\">article on the compound interest effects of early payments into the 3rd pillar<\/a>.   <\/li>\n<li>Where do you seek advice on retirement provision? Friends\/relatives\/acquaintances (20%), independent advisor (18%), bank (17%), insurance (8%). A comparison with the data for young adults shows that the importance of traditional points of contact (independent advisors, bank, insurance) is much lower for them.  <\/li>\n<\/ul>\n<\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8997301\" id=\"dritte-saule-das-naheliegende\" data-block-id=\"8997301\"><h2 class=\"stk-block-heading__text\">Third pillar, the obvious<\/h2><\/div>\n\n<p data-block-type=\"core\">Investing money in a pillar 3a is one of the basics of pension provision in Switzerland. Like brushing your teeth in everyday life. Because if you don\u2019t know much about it, you\u2019re playing it safe and not doing anything wrong. All the more surprising: many people do not have a 3rd pillar \u2013 even half of adults up to the age of 30. Half of young Swiss people have no idea about their potential returns with a 3a investment in securities. Financial education and self-responsible action look different.     <\/p>\n\n<div class=\"knowledge\">\n<div><i class=\"fa fa-book\"><\/i>  This is the state of the 3rd pillar<\/div>\n<ul>\n<li>50% of young people (aged 18-30) have no 3rd pillar \u2013 compared to 25% of everyone. Of all those who pay in, a quarter pay in little or almost nothing. <\/li>\n<li><strong>Of those with a 3rd pillar, only 27% of all adults invest in securities. <\/strong>\u201cBetter safe money than higher returns\u201d is apparently the credo of most people. This is despite the fact that the potential return on an investment in securities over a long investment period is substantially higher than with 3a accounts or 3a insurance policies. A staggering 51% have invested their money in a 3a insurance policy \u2013 which makes their sellers happy. Some of them earn 100% of their income from the acquisition commissions they receive from the insurance company for taking out your 3a insurance policy. Of course, the insurance company charges this acquisition commission to your 3a insurance policy \u2013 which is why the so-called surrender value (\u201chow much money will I get back when the insurance is terminated?\u201d) is usually zero point zero in the first 2-3 years. A 3a life insurance policy is not fundamentally bad, but it is far from ideal for everyone.     <\/li>\n<li>52% of young people say<strong>\u201cI don\u2019t know enough about securities\u201d <\/strong>\u2013 even though they don\u2019t need that much knowledge. Nevertheless, only 13% say that \u201cinvesting in securities is not worthwhile, it\u2019s not enough money\u201d. <\/li>\n<\/ul>\n<\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-25316dd\" id=\"die-mittel-fur-eine-3-a-anlage-waren-also-da-es-mangelt-am-auskennen\" data-block-id=\"25316dd\"><h2 class=\"stk-block-heading__text\">The funds for a 3a system would therefore be there, but there is a lack of \u201cknowledge\u201d<\/h2><\/div>\n\n<p data-block-type=\"core\">Interestingly, the study also found that those who are familiar with the pension system pay in more. So what does this mean? Should we trust the \u201cexperts\u201d and do the same? According to the Forrest Gump motto \u201cIf there\u2019s a queue, get in line. You never know what it\u2019s for.\u201d If in doubt, yes, but it would be more desirable to get an overview yourself and know what you stand for.   <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-48f43a6\" id=\"daher-haben-wir-fur-dich-einen-aktionsplan-fur-eine-schnelle-orientierung-nbsp-zur-3-saule-zusammengestellt\" data-block-id=\"48f43a6\"><h2 class=\"stk-block-heading__text\">We have therefore put together an action plan for you for a quick orientation on the 3rd pillar<\/h2><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d881f42\" id=\"1-aufschlauen\" data-block-id=\"d881f42\"><h3 class=\"stk-block-heading__text\">1. slacking up<\/h3><\/div>\n\n<p data-block-type=\"core\">You can find the answers to the most important questions in this article on the most common <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-misconception-and-myth-how-well-do-you-know\/\">misconceptions<\/a> about pillar 3a. We clear up the misconceptions there: Yes, the money is tied up, but there are exceptions. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2d98453\" id=\"2-auswahlen\" data-block-id=\"2d98453\"><h3 class=\"stk-block-heading__text\">2. select<\/h3><\/div>\n\n<p data-block-type=\"core\">You don\u2019t have a 3rd pillar yet? Then it\u2019s high time you started. Opening a 3a account with a bank is the least you can do \u2013 and don\u2019t let anyone push expensive 3a insurance or 3a fund policies on you. We\u2019ll show you how to get the most out of your 3rd pillar with low fees and the compound interest effect. You can find the results in this article on <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/every-little-helps-what-a-difference-a-small-fee-makes\/\">the effect of the compound interest effect<\/a> of cost-optimized investment funds in the 3rd pillar. We have also compared the providers of low-cost securities investments in the 3rd pillar.     <\/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 \u2013 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-d26ae2f\" id=\"3-alles-rausholen\" data-block-id=\"d26ae2f\"><h3 class=\"stk-block-heading__text\">3. get everything out<\/h3><\/div>\n\n<p data-block-type=\"core\">Do you have a 3rd pillar but have not yet paid in the full contribution for the current year? Clear any surplus money from your account immediately and pay up to the maximum amount into the 3rd pillar! This will earn interest immediately. The money must have reached the pension foundation by the end of the year at the latest. You can find the current maximum amount in this <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2025\/\" data-type=\"post\" data-id=\"8321\">article<\/a>.    <\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-us2z5wm stk-block-background callout\" data-block-id=\"us2z5wm\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-us2z5wm{background-color:#02b875 !important;margin-bottom:40px !important}.stk-us2z5wm:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-us2z5wm-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-qldyj49\" data-v=\"4\" data-block-id=\"qldyj49\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-qldyj49-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-qldyj49-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-26knl54\" data-block-id=\"26knl54\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu\u0308bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/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-r0datro\" data-v=\"4\" data-block-id=\"r0datro\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-r0datro-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-r0datro-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many compared to all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take precautions? And what does it&#8230;<\/p>\n","protected":false},"author":8,"featured_media":4238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260,2176],"tags":[2379,2459,2262,2203,2261,2465],"class_list":{"0":"post-8678","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-invest-in-pillar-3a","8":"category-retirement-and-pension-planning","9":"tag-financial-planning","10":"tag-pension-provision","11":"tag-pillar-3a","12":"tag-retirement-provision","13":"tag-securities-savings-pillar-3a","14":"tag-yield"},"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\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",1236,882,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-315x225.jpg",315,225,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-800x571.jpg",800,571,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-768x548.jpg",768,548,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",1140,813,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",1236,882,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",1236,882,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",973,694,false],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",504,360,false],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",220,157,false],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30.jpg",360,257,false],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-400x284.jpg",400,284,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/09\/14120725\/Smolio-Blog_3-Sa%CC%88ule-mit-30-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>Lesedauer 5 Minuten 50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many compared to all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take precautions? And what does it take? We provide a quick guide to the 3rd pillar. Together with the Zurich University of Applied Sciences ZHAW, Raiffeisen surveyed the Swiss on the topic of retirement provision and summarized the results in the 2018 Pension Barometer. On the one hand, we read that the Swiss&hellip;<\/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\/retirement-and-pension-planning\/\" rel=\"category tag\">Retirement and pension planning<\/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\/8678","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=8678"}],"version-history":[{"count":7,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8678\/revisions"}],"predecessor-version":[{"id":10154,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8678\/revisions\/10154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4238"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}