From: ViaVest Subject: The same 3a, 10'800 francs less tax in Geneva
This week's figure: 10'800 francs
That is the tax saved in Geneva on a 3a of 300'000 francs, withdrawn in five parts instead of one. FTA calculator, 2026 rates, single person.
Why
On withdrawal, your 3a is taxed separately, at a rate that rises with the amount withdrawn in the same year. And a 3a account can only be withdrawn in one go. With five accounts, you withdraw one a year, each taxed lower.
How to use it
- Count your 3a accounts. Only one? Open a second: online providers offer up to five in the same app.
- Send your next payments to the new account: an existing account generally cannot be split later.
- When the time comes, do not withdraw a 3a account in the same year as your pension fund lump sum.
Leaving Switzerland one day? The same logic applies: accounts withdrawn in different years cost less tax at source.
The calculation for your canton →
Deadlines not to miss
- 30 November: your health insurance cancellation must have arrived.
- 20 December: the safe date for your last 3a payment of 2026.
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See you next Sunday,
ViaVest