Which 3a solution suits you?

The finder asks about your investment horizon, your risk tolerance, your view on sustainability and the type of provider that suits you. Depending on your answers, that is two to four questions. Your answers lead to a profile: 3a accounts or funds with a certain equity share. The result shows the ten best products from our comparisons, funds sorted by performance over one, three or five years or by fees, accounts by interest rate. Your answer on the type of provider filters the list, and “Show more” displays further products.

Shares fluctuate. If you want to access your money within a few years, you have no time to sit out a market slump. A 3a account earns less, but the amount is sure to be there when you withdraw it. From a horizon of five years, the finder also shows funds and investment strategies.

The equity share tells you what part of the fund or strategy is invested in shares. The rest is in bonds, real estate or the money market. The higher the equity share, the greater the return potential and the stronger the fluctuations. 3a accounts have no equity share.

A 3a account pays interest set by the bank, with no price fluctuations. With 3a funds or investment strategies, you invest in securities and share in how the markets develop. Over long periods, fund returns have been well above account interest, but in the short term they can also lose value.

Yes. The ranking in the result depends solely on performance, fees or interest rates from our comparison data. Promo codes and partnerships have no influence on which products appear or where they rank. Find out more in our methodology.

Yes, and it often pays off. Several 3a accounts or portfolios let you stagger withdrawals over several years, which lowers the tax on the payout. If you want to keep part of your money safe and invest the rest, you can combine an account and a fund.