{"id":8698,"date":"2018-04-21T08:39:07","date_gmt":"2018-04-21T06:39:07","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more\/"},"modified":"2024-12-01T20:59:30","modified_gmt":"2024-12-01T19:59:30","slug":"pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more\/","title":{"rendered":"Pillar 3a at the beginning of the year: The early bird gets more"},"content":{"rendered":"Lesedauer<\/span> 3<\/span> Minuten<\/span><\/span>\n

Reto is 34 years old and is looking forward to spring – he can finally get out on his mountain bike more often. His thoughts are of sunshine, mountains and nature. Understandable! And yet Reto should pay in his pillar 3a at the beginning of the year. We show you why. <\/p>\n\n\n\n

Reto likes to balance his job as a teacher with outdoor activities with his partner in his free time.\nHis partner Martina works reduced hours in an administrative office.\nThe next tax payment is due at the end of the month and the money is just about enough.\nReto and Martina pay into their pillar 3a shortly before the end of the year.\nThe bank always writes to them towards the end of the year and then they still want to benefit from the tax advantages, that much is clear. <\/p><\/div>\n\n

Paying into pillar 3a at the start of the year pays off<\/h2><\/div>\n\n

Do you feel like these two? Then you’re in good company. Around two thirds of employed Swiss people aged 25 and over pay into pillar 3a, and almost 70% of self-employed people do so. According to the Federal Statistical Office<\/a>, even in the youngest age group (25-39 years), 6 out of 10 working people say they pay into it regularly. It’s not too early to invest in a private pension at 30<\/a>. But you can get even more out of your money if you get into the habit of paying into pillar 3a at the start of the year. That way, you can benefit from the higher potential returns in pillar 3a for one year longer. Time is money. This applies regardless of whether you manage your pillar 3a as a savings account or in securities. <\/p><\/div>\n\n