Glossary
3a Account vs. Securities Solution
The 3a Account vs. Securities Solution comparison concerns the choice between a classic savings account with a fixed or variable interest rate and a securities solution in which pension capital is invested in funds or individual securities mandates. Both forms are recognised under BVV 3; they differ in risk profile, return potential, and the liquidity of invested capital.
At a glance
- Both investment forms are governed by BVV 3; securities solutions are subject to additional investment regulations regarding permissible asset categories.
- Securities solutions carry higher volatility risk but offer greater return potential over a long investment horizon, without any guarantees being given.
- The savings account interest rate is subject to the Swiss National Bank's (SNB) interest rate policy and varies by provider.
Frequently asked questions
The choice depends on the personal investment horizon, risk tolerance, and the planned timing of withdrawal. Those with many years until retirement can bear greater risk; those who need the capital soon often prefer the security of a savings account. Individual pension planning is advisable.
Part of the topic
Säule 3a
Sources: Bundesamt für Sozialversicherungen (BSV) · Systematische Rechtssammlung (fedlex)