Instead of repaying your mortgage directly, you can pledge a Pillar 3a account and claim the tax deduction every year. Here is how it works and when it makes sense.

Direct vs Indirect Amortisation\n\n

This article provides educational information about the Swiss financial system. It does not constitute regulated financial, investment, pension, or tax advice. Navinua is a financial planning support tool operating outside the scope of regulated advice under FinSA/FIDLEG. Swiss figures are correct for 2026 — verify against the Navinua Assumptions Register for subsequent years.

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