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When can I withdraw my 3a assets?
- Five years before reaching statutory retirement age (women: age 59 and men: age 60 (as of 2021))
- No later than five years after you reach the statutory retirement age - at age 69 or 70 (as of 2021)
- When you become self-employed
- Within the context of the promotion of home ownership (PHO) programme, including mortgage amortization
- If you emigrate out of Switzerland
- If you make a buy-in into your pension fund