Pillar 3a for Expats: Save Tax Before 31 December

Living and working in Switzerland? Pillar 3a can cut your tax bill every single year, and you have until 31 December to use it for 2026. Here's how it works for expats, with real 2026 numbers for a typical Zurich example. In this video: what pillar 3a is and who can pay in how much it saves: CHF 1,880 a year for our example expat Sam bank account or invested 3a, and why fees matter new in 2026: catching up missed years (from 2025 on) 5 expat mistakes, including the one that shows up when you leave Switzerland Chapters 0:00 Intro 0:41 What pillar 3a is 1:46 What it saves you (Sam's example) 2:50 Bank or invested? 4:08 New in 2026: catching up missed years 5:19 5 expat mistakes 6:54 Recap The numbers Sam: single, Zurich city, CHF 100,000 taxable income, no church tax, 2026 cantonal, city and federal tariffs. Growth and fee examples are hypothetical (CHF 7,258 a year for 30 years, 0.5% vs. 4% a year, before fees) and are not a promise of future returns. General information, not financial or tax advice. Rules and rates can change and your situation may be different; check with a tax professional if you're unsure. Not sponsored. Ledger Abroad: money, wherever you live. #pillar3a #switzerland #expats