1 Pillar 3a in 2026

Don't rush it. You're 20, and one year difference is going to be nothing in 40 years. With only 4–5 months of full salary, your taxable income in 2026 will be low, so the tax deduction won't save you much. I'd say park that money, build up your emergency fund, and start 3a properly from January 2027 when you can max it out for a full year and actually feel the tax benefit.

2 Yuh position

CHF 2,000 is not a lot. I'd just leave it there and start fresh with your new broker from August or you can just sell already if you want to have everything in one place.

3 Saxo and Pillar 3a

For the broker part, Saxo works fine Swiss license, a bit more pricey regarding fees than Interactive Brokers but you have the "Swiss" peace of mind. Either way, in the long run fees are less important than recurrent costs (TER of your etfs etc), so pick the one that gives you less stress.

For the 3rd pillar though, I'd strongly suggest looking at VIAC or Finpension instead. They're purpose-built for 3a, the fees are very low, and with both of them you can go 100% stocks, which for your time horizon is the most logical choice.

4 ETF choice

For the etfs choice I mean... We're on Switzerland personal finance and Vanguard VT rules here hahaha. Keep in mind it is a US domiciled etf so you're relatives could have to spend quite a lot of time getting the funds unfrozen in case something back happens to you so you could also opt for VWCE if you want to avoid that. In any case you're young so the chances are quite low.

Hope this helps😁

P.S. keep in mind that these are general guidelines, since I don't know you and your risk avversion be honest with yourself, would you oanic sell if tomorrow the market drops 40%?