3a Staggered Withdrawal Savings
See how splitting 3a accounts over several years lowers the capital withdrawal tax.
- Tax with staggered withdrawals
- CHF 12'000
- Tax saved
- CHF 7'200
- Capital per year when split
- CHF 60'000
How it works
Withdrawing 3a capital in one lump sum can push you into a higher tax bracket. Splitting withdrawals across several years, often in different tax years, spreads the income and lowers total tax. The calculator compares one withdrawal with a staggered plan.
Learn more
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