3ème pilier

It is a sum of money that you can accumulate during your working life in a bank or with an insurance company. The 3rd pillar is part of the Swiss pension system, it is a private and optional pension plan that aims to complement the benefits offered by the 1st and 2nd pillars. The Swiss Confederation encourages the opening of a 3rd pillar 3A by granting tax advantages that make it possible to pay less taxes each year. A significant tax savings of up to CHF 2,900 for an employed person and more than 15,000 francs for a self-employed person.

The period of savings on a 3rd pillar 3A is linked until retirement, i.e. 64 years for women and 65 for men. It is possible to invest up to 7,056 francs per year for an employed person and up to 35,280 francs per year for a person with self-employed status. The taxation of the 3rd pillar 3A is very advantageous, the amounts that you invest each year in your 3rd pillar are fully deductible from your taxable income:

On a 3rd pillar 3B, you define for yourself the duration over which you want to save. In addition, it is possible to withdraw the capital at any time without any preconditions, unlike a 3rd pillar 3A. Another specificity compared to the 3rd pillar 3A: the policyholder, the insured person and the premium payer may be different persons. The cantons of Geneva or Fribourg benefit from advantageous taxation. Premiums paid into a 3rd pillar 3B are deductible from your taxable income up to the ceilings of each canton. Outside these two cantons there is no deduction from taxable income.

Discover the complete taxation of the 3rd pillar 3A and the 3rd pillar 3B

3rd Pillar contracts are fundamentally different whether they are taken out in a bank or an insurance company. To better understand the pros and cons, including the length of the investment, here's how to help you make your choice.

There are 3 ways to make the capital you invest in your 3rd Pillar grow, some solutions rely on total security and others favor returns, in exchange for lower security and guarantees.