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PROSPERA 3a pension planning account

Your retirement provision: As flexible as you are

Invest in the time after retirement: With the PROSPERA 3a pension planning account you choose your personal combination of security and potential returns, while saving on annual taxes – and remaining flexible at all times.

Your benefits

  • Capital for your retirement provision
  • Tax advantages
  • Flexible payments: you can freely select the frequency and amount
  • Higher potential returns than from a traditional savings account
  • Excellent investment funds
  • Individual choice of investment strategy
  • Change the investment strategy at any time free of charge
  • Personal advice included

Better returns, more freedom

Do you dream of a retirement with financial independence? For this, your private saving schemes are increasingly important. With the PROSPERA 3a pension planning account you enjoy complete freedom: you decide how much you pay in and when, and you choose your own personal investment strategy. The experts at Generali invest your capital primarily in securities and actively manage it. This means you benefit from higher potential returns than from a traditional savings account. In terms of tax, the account is doubly attractive: you save on tax every year as you can deduct your payments from your taxable income. And the profits during the term of the contract are exempt from income tax and wealth tax.

 

Your flexible pension

With the PROSPERA 3a pension planning account you invest your capital exactly as per your requirements. You decide the investment strategy according to your individual expectations for returns and security, and you can change it at any time free of charge. What is more, you enjoy full freedom: you can pledge your capital or use it to finance your own home. In this way you save up efficiently and flexibly for your independence in retirement.

Facts & figures

  • No obligation to pay in
  • The time and size of the inpayments can be set freely and flexibly (up to a maximum amount set by law)
  • Withdrawals may be made in accordance with cases permitted in the foundation regulations or by law (e.g. home purchase, final departure from Switzerland, reaching retirement age)
  • People domiciled in Switzerland or cross-border commuters (according to separate provisions)
  • Swiss citizens and foreign nationals with the following permits: C settlement, B residence or G weekly stay
  • Contribution can be deducted from taxable income up to statutory maximum amount
  • Tax-free during the term of the agreement: no income tax or wealth tax, no withholding tax on accrued interest
  • On payout: taxed at a reduced rate, separate from the other income
  • Account / custodian bank: Lienhardt & Partner Privatbank Zürich AG
  • Pension fund: independent 3a pension fund, Zurich