Pillar 3a Calculator

This projection is based on typical return assumptions for Swiss Pillar 3a investment strategies. These are model values before individual provider fees: how high the costs (TER) are differs from provider to provider, and higher fees reduce the result. Inflation and withdrawal taxes are also not included.

For each risk level, the calculator shows four performance trajectories: a poor one (cautious assumption with 0 % return), a traditional savings solution (3a account for comparison, 0.5 %), the expected one (mean assumption) and a good one (optimistic assumption). These are model values for illustration, not statistically calculated probabilities. The actual performance can also lie outside this range.

Expected return assumptions per risk level (2026 status): Safe 0.5 %, Cautious 2.5 %, Moderate 4 %, Growth 5 %, High-risk 6 %. In the good performance the assumed returns are higher, in the poor performance at 0 %.

Past market developments are no guarantee of future performance. The longer the investment horizon, the greater the uncertainty of the projection, and the values actually achieved can deviate considerably from the estimates.