Selma Finance

Print, sign and send the transfer form to move your 3a to Selma.

How to transfer my existing pillar 3a account to Selma

Pillar 3a is meant for retirement, but there are a few exceptions.

When and how can I take out my pillar 3a money?

Broadly speaking, your pillar 3a pension investments consist of a mix of ETF funds.

How does my pillar 3a money get invested?

Withdrawing money from your pillar 3a is free, except in the case of an early withdrawal to buy a home.

Are there fees for withdrawing money from my 3a account?

How much can I add to my pillar 3a account?

In general, there is no limit on the number of pillar 3a accounts you can open. The recommended maximum is 4.

Can I have multiple 3a accounts?

Pillar 3a is an optional, tax-friendly way to invest for your retirement.

What is pillar 3a?

Your pillar 3a pension investments at Selma are provided by VZ Vorsorgestiftung.

How do VZ Vorsorgestiftung and Selma work together?

Currently, you can only open one pillar 3a account with Selma.

Can I open more than one pillar 3a account with Selma?

No. You can open either an investment account, a pillar 3a or, if you like, both.

Do I need to get a Saxo bank account with Selma to get a Pillar 3a account?

Yes, you can transfer money whenever you like, up to the annual maximum amount. Furthermore, investing monthly comes with many advantages!

Can I also invest into pillar 3a on a monthly basis?

Find out which IDs are accepted to open your pillar 3a account and how to upload them correctly.

Which identification documents are valid to open a pillar 3a account?

Opening your 3a account only takes a few steps. Let Selma guide you all the way.

How to open a pillar 3a account at Selma

In order to open a pillar 3a account with Selma, you need to work in Switzerland. There are few edge cases.

Can I get a pillar 3a account with Selma?

There are six different investment plans for pillar 3a with varying investment products.

What kind of investment products does my pillar 3a plan include?

No, Selma does not charge any costs for transferring your pillar 3a.

Does transferring my 3a to Selma cost anything?

After the owner's death, the pillar 3a is liquidated and the money that was on it goes to the law-regulated beneficiaries.

What will happen to my pillar 3a account if I die?

In this article we answer all your questions about 3a account opening time and the deadline to deposit money.

Pillar 3a: End of year guidelines 2025

If you work after the retirement age, you can still pay into your pillar 3a. For this we need a form from you.

3a confirmation of employment after reaching the retirement age

You can use your pillar 3a to buy a house as part of the home ownership scheme.

How to withdraw my pillar 3a to buy a residential property?

To pay out your 3a account for your retirement, we require a form filled out and sent to us.

How to withdraw my pillar 3a for my retirement?

If you've paid more than the permitted amount into your pillar 3a, you must ask for the money back.

How to reclaim an overpayment on my 3a account?

You can choose to leave your 3a account open or to withdraw your money and close it.

Do I have to close my pillar 3a account if I move abroad?

All you need is a transfer form from your new provider.

How to transfer my pillar 3a to another provider?

You are considering a larger deposit? Here is some helpful information for you.

I plan to make a larger deposit into my pillar 3a account. What should I consider?

Learn how to set your civil partner as the beneficiary of the lump-sum death benefit by the general regulations.

How to declare a cohabitation or civil partnership?

If your employment is without a pension fund, you can pay in more into your 3a account. To make this possible, we need a confirmation.

3a  confirmation of employment without a pension fund

If you are about to set up your own business, you may exceptionally withdraw funds from your pillar 3a.

How to withdraw my pillar 3a to start my business?

Why are there bonds in my pillar 3a portfolio?

Marco Barmettler

Laurène Soubrier

Pillar 3a

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