3a account

The Tellco 3a account solution is an interest-bearing savings solution for private pension provision. The pension assets are held as a savings deposit and are not invested directly in securities.

The account solution is suitable for people who want to build up their pillar 3a simply and digitally, without market-related price fluctuations.

The interest rate for the account solution is set by the foundation board and regularly adjusted to market conditions. It may therefore change over time.

You can find the currently applicable interest rate under “Fees and conditions”.

The account solution is operated within the independent Tellco Vorsorge 3a foundation. Tellco Bank AG is responsible for its management.

The foundation is supervised by the Central Switzerland Occupational Pension and Foundation Supervisory Authority and has an external auditor. This means that the account solution is embedded in a clearly regulated Swiss pension structure.

The account solution is not invested directly in securities and is therefore not subject to immediate price movements on the equity or bond markets. The assets grow in line with the interest rate applicable at the time.

This distinguishes the account solution from a securities solution, which offers additional return opportunities.

An account solution can be particularly suitable if a stable, easy-to-understand pension solution is important to you or if the planned withdrawal of your pillar 3a assets is approaching.

It is also suitable as a starting solution for gradually building up your pension savings. With a long investment horizon, you can also consider whether part of the assets should be invested in a securities solution.

You can open the Tellco 3a account solution directly online via Tellco Vorsento. The account can be opened digitally in just a few steps and without paper forms.

Once it has been opened, you can manage your account solution online and, if required, receive personal support from Tellco’s pension specialists.

Yes. Within the legal limits, you decide when and how much you pay into the account solution. There is no minimum investment, and you can adjust the amount of your contributions to suit your budget or pause them temporarily.

This makes the account solution suitable both for regular savings contributions and for individual payments during the year.

A standing order can help you integrate private pension provision consistently into your monthly budget and avoid postponing or forgetting the contribution until the end of the year.

Contributions credited earlier can also benefit from the account solution’s interest for longer. You can adjust the standing order at any time and supplement it with an additional contribution.

Yes. With Tellco, you can open up to five account solutions for pillar 3a. All account solutions can be viewed centrally via Tellco Vorsento.

Several account solutions may later allow staggered withdrawals across different tax years. Whether this results in a tax advantage depends on your personal circumstances and the applicable cantonal tax rules.

Yes. In principle, the pension assets can be invested fully or partially in securities. This allows an interest-bearing account solution to be combined with a securities solution.

The appropriate allocation depends in particular on your investment horizon, risk tolerance and planned withdrawal date. Securities investments are subject to price fluctuations and the risk of loss.

Yes. With Tellco, you can open up to five 3a accounts as part of the pillar 3a account solution.

Depending on your personal circumstances and the cantonal tax rules, staggered withdrawals may help to optimise the tax burden.

In Tellco Vorsento, you can view the balance, your contributions and the available documents for the account solution online. This allows you to manage your pension provision centrally and digitally.

The overview also helps you monitor your contributions throughout the year and identify early on whether you would like to top up your planned annual contribution.

The Tellco Vorsorge 3a foundation issues an annual certificate of the contributions you have made. You need this certificate to deduct your pillar 3a contributions in your tax return.

You can view your documents via Tellco Vorsento and download them for your records or your tax return.

Under the currently applicable fee regulations, no fees are charged for opening, maintaining or closing the Tellco account solution. There is also no minimum investment.

Fees may apply for special services, such as an early withdrawal for residential property or a pledge. The complete and binding overview can be found in the current fee regulations of Tellco Vorsorge 3a.