Optimize your retirement with our expertise in 3rd pillar
Are you worried that your retirement income won't be enough to maintain your standard of living? The Swiss 3rd pillar, a little-known cornerstone of private pension provision, nevertheless offers tailor-made solutions to fill the gaps in the 1st and 2nd pillars.
Let your savings grow safely and securely without touching them. Enjoy a peaceful retirement with the option to withdraw an annuity, a lump sum, or a combination of the two, depending on your needs.
Each payment into your 3rd pillar is tax deductible, allowing you to benefit from immediate tax advantages while calmly preparing for your retirement.
You have the freedom to select investment options that suit your risk tolerance, giving you complete control over your retirement savings.
We are not affiliated with any insurance company. Our goal is to offer you the 3rd pillar solution that perfectly meets your needs, without compromise.
Simulate how your savings will grow based on your age, annual contributions, and risk profile. Anticipate your needs for an optimal retirement with this simulator.
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Subscribe to or reassess your 3rd pillar to benefit from optimal savings and tax advantages.
Make an appointment with an advisorThe **3rd pillar** is one of the Swiss pension solutions and constitutes a tax-advantaged investment. In addition, it allows you to build up your retirement savings capital. Therefore, the 3rd pillar is intended to make up for the shortfall in the 1st and 2nd pillars.
You can analyze your savings based on your annual investment amount and risk level. Our system offers you the ability to integrate optimistic, probable, and pessimistic scenarios to help you anticipate your future financial situation.
We answer the most frequently asked questions about the 3rd pillar and its benefits. Whether you're in Switzerland, France, or elsewhere, we offer personalized solutions to optimize your retirement savings, reduce your taxes, and secure your financial future.
Yes, you can absolutely own more than one 3rd pillar . However, the total amount of payments on your 3rd linked pillars (3A) cannot exceed the annual tax deduction limit. However, there is no limit for payments into a 3rd free pillar (3B) .
There is no mandatory minimum amount, although most insurance companies require a minimum premium of CHF 1200 per year. Regarding maximum payments, there is no limit for the 3rd free pillar (3B) . On the other hand, for the 3rd pillar (3A) , contributions are capped according to your tax situation: CHF 7'258.- per year for a tied employee and up to CHF 36'288. - per year for a self-employed person.
The 3rd pillar A is a form of private old-age provision intended for all active persons over 18 years of age whose income is subject to AVS . En effectuant des versements sur votre 3rd pillar A , you benefit from a tax reduction each year while building up capital to finance your retirement.
The 3rd pillar B , just like the pillar 3a , is part of private pension provision. However, unlike pillar 3a, it is not intended exclusively for retirement, but can be used for medium or long-term savings goals. We also talk about free or untied pension provision . The funds invested in the pillar 3b can be managed freely, for example through a professional wealth management mandate. In this case, it is essential to minimize investment fees, especially as the investment horizon is longer.
Yes, you can freely designate beneficiaries for your third free pillar (3B ). However, for the third linked pillar (3A) , restrictions apply. The primary beneficiaries are your spouse and descendants. You can then adjust the beneficiary clause according to your wishes.
Yes, it is possible to modify your premium third pillar, but this will have consequences. If you reduce your premiums, the guaranteed capital will also be reduced proportionally. It is therefore important to carefully assess your payment capacity before taking out a 3rd pillar. If you increase your premiums, the insurance company could adjust the technical rate of your contract, often downwards. In this case, it is advisable to take out a 3rd additional pillar to preserve the seniority benefits of your current contract.
The early withdrawal of 3rd pillar A is possible in the following cases:
To finance the purchase of a home for personal use or to repay a mortgage
In the event of redemption in another tax-exempt pension institution or for a recognized form of pension provision
When starting a self-employed activity
In the event of permanent departure from Switzerland
In the event of disability or death
These exceptions allow early withdrawal while respecting the conditions provided for by law.
In the event of death, the capital of the 3rd pillar A is paid in accordance with the order of beneficiaries defined by law (art. 2 OPP3). The pension fund is not an inheritance benefit and is therefore not part of the estate.
The policyholder may designate one or more beneficiaries from among the persons listed in the order of beneficiaries by law, specifying their rights (order and share). To make this designation, please contact our customer service.
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