Retirement
Your 3A retirement savings
The 3rd pillar
The amount of the 1st and 2nd pillars you will receive in retirement will represent an average of 60% of your final salary. The 3rd pillar is a voluntary, individual savings plan designed for the long term to provide additional income at the end of your working life.
Pension 3A
The 3A private pension plan is an agile and flexible solution for building personal savings with tax incentives, with no premium or contractual term. As a reminder, all payments are deductible from your taxable income. You can make your annual payments within the authorized limits: CHF 7,056 if you are affiliated with a pension fund or 20% of AVS income up to a maximum of CHF 35,280 if you are not affiliated with a pension fund. These savings are ideal for topping up your pension or building up equity in your future principal residence.
Pension 3B
Prévoyance 3B is life insurance designed to protect your family in unforeseen circumstances. We can add a savings component to this solution, enabling you to benefit from potential tax advantages for the canton of Geneva or Fribourg residents.The advantages of the 3rd pillar
The 3rd pillar offers a wide range of advantages, as diverse as each person's financial needs. Plan your future with peace of mind.
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Taxes
Contributions to Pillar 3a are tax-deductible, meaning you pay less tax. This means you save money on taxes while saving for your financial future.
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Flexibility
Our private pension solutions offer greater investment flexibility, allowing you to choose from a broader range of investment options, including equities and investment funds. This can provide you with a higher return, although it involves an additional level of risk.
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Financial security
The 3rd pillar allows you to create financial security for retirement. Still, it can also be used to purchase a principal residence or converted into a pension in the event of disability. This helps to ensure long-term financial stability and the benefits provided by the 1st and 2nd pillars of Swiss social security.
Learn more about the 3rd pillar
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