• Can anyone take out a CONVITA policy?

    No, only adults with income from gainful activity that is subject to AHV/AVS/OASI contributions and who are resident in Switzerland are eligible.
  • Can I take out a CONVITA pillar 3a policy for my child?

    No, you can only take out a pillar 3a policy for yourself. Pillar 3a policies are available to adults resident in Switzerland who earn an income subject to AHV/AVS/OASI contributions from employment or self-employment.
  • In which cases is it possible to withdraw the retirement benefits early?

    The earliest the retirement benefits can be paid out is five years before the normal AHV/AVS/OASI retirement age. Early withdrawals of pension funds are possible in certain cases that are stipulated by law (pursuant to BVV/OPP 3), for example:

    • To purchase residential property for your own use
    • To repay mortgage loans
    • Upon taking up self-employment
    • Upon leaving Switzerland (emigration)
    • When making a purchase in a tax-exempt pension fund