#Indirekte Amortisation

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January 21, 2026

Mortgage-Linked Pillar 3a: Swiss Financial Genius or a Gilded Cage?

The controversial practice of pledging insurance-based Pillar 3a products for mortgage amortization offers risk coverage but creates a lock-in effect that can cost you thousands. Here’s what Swiss banks don’t want you to know about breaking free.

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Switzerland

January 21, 2026

The Hidden Trap of Insurance-Based Pillar 3a in Switzerland

Many Swiss savers are locked into outdated, high-cost insurance 3a products tied to mortgages, facing difficulties when trying to switch to lower-cost banking alternatives like VIAC.

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