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Retirement

Your 3A retirement savings

Boost your 3rd pillar with our 3A pension solutions.
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hero 3eme pilier
hero 3eme pilier
hero 3eme pilier

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.
Advantages

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.

  • 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.

  • 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.

Frequently asked questions

Learn more about the 3rd pillar

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We consider the social and environmental impact of all our decisions to contribute to a fairer and more humane world.

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Discover Piguet Galland

Since 1856, we've been helping you to plan for the future and enjoy the present with complete peace of mind.


A unique blend

Thanks to our unique blend of business expertise, our financial advisers can help you achieve all your life goals.

Investment

Investment

From investment advice to delegated portfolio management, we are dedicated to safeguarding your capital and securing its growth by identifying investment solutions that align seamlessly with your values, goals, and the assurance of peace of mind.

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Wealth & pension advice

Bring vitality and success to your life projects by comprehensively analyzing your assets and optimizing their structure.

Financing

Financing

We offer various financing solutions for all your real estate projects, such as mortgages and Lombard loans.

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Academy

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

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