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General information
Highlights
What is the third pillar and who should subscribe to it?
All you need to know about the 3rd pillar, the most important component of the Swiss social security system.
Difference between third pillar 3A and 3B
Both pillar 3A (tax-qualified) and pillar 3B (non-tax-qualified) have the same function, that is, to accumulate capital (savings) and cover the risks of disability and death.
Viac, Frankly and Finpension: What the Apps Don’t Tell You
The problem is not the App, it's you. Or rather, your ability to generate income.
Why open a Third Pillar in Switzerland even if you're not sure you'll stay?
Discover why is really important to open a 3rd pillar while you live or work in Switzerland
All articles
Is it better the insurance 3rd pillar or a bank 3rd pillar?
The Three-Pillar System in Switzerland
Understanding the BVG second pillar certificate
Third pillar: investment or welfare?
How is your family covered? Less than you think.
The Third Pillar and Taxes
Is it worth having more than one third pillar?
The Third Pillar, is it really convenient?
Whole Life Insurance in Switzerland: What You Need to Know
The Third Pillar for property owners
What is the best third pillar?
Maximum amounts
Highlights
3rd Pillar 2026, maximum amounts and tax deductions.
Third Pillar 2026, maximum amounts and tax deductions. How much can you contribute to Pillar 3a? Persons who are affiliated to a pension fund (generally employees): can pay maximum contributions of...
3rd Pillar 2025, maximum amounts and tax deductions.
Third Pillar 2025, maximum amounts and tax deductions. How much can you contribute to Pillar 3a? Persons who are affiliated to a pension fund (generally employees): can pay maximum contributions of...
3rd Pillar 2024, maximum amounts and tax deductions.
Third Pillar 2024, maximum amounts and tax deductions. 2024 - How much can you contribute to Pillar 3a? Persons who are affiliated to a pension fund (generally employees): can pay maximum contributions of...
Third Pillar 2023, maximum amounts, taxes and social insurance.
Third Pillar 2023, maximum amounts, taxes and social insurance. 2023 - How much can you contribute to Pillar 3a? Persons who are affiliated to a pension fund (generally employees): can pay maximum contributions of...
Expat in switzerland
Highlights
New in Switzerland? All you need to know about 3rd pillar and pension system
Moving to a new country can be fascinating, but it can also be fraught with uncertainty, especially when it comes to financial and pension issues.
Why open a Third Pillar in Switzerland even if you're not sure you'll stay?
Discover why is really important to open a 3rd pillar while you live or work in Switzerland
Third Pillar for cross-border commuters
All you need to know about 3rd pillar if you have a G permit
What benefits have cross-border commuters in making a third pillar in Switzerland?
What benefits have cross-border commuters in making a third pillar in Switzerland? Not only tax advantages with the third pillar 3a, but much more. People living abroad generally find themselves with missing contributions, both in the 1st pillar (OASI) and in the 2nd pillar (BVG). Just think that the first pillar is mandatory from the age of 21, and the second pillar from the age of 25 (as far as saving for retirement is concerned)
All articles
Products reviews
Highlights
Review of the third pillar Swiss Life Dynamic Elements 3a and 3b
Insurance linked to investment funds and traditional savings. Available as pillar 3a, or pillar 3b.The Swiss Life Dynamic Elements product is, in our opinion, a very attractive product for those seeking a higher return with relatively little risk (depending on how the product is set up). Yes, because the product has many aspects that can be customised to suit your profile and needs.
Review on the 3rd pillar Generali Scala Capital
Review on the 3rd pillar Generali Scala Capital. The third pillar Scala Capital is a product that, in our opinion, is in the security-oriented range, putting the expectation of return in second place. The product offers a guaranteed final capital of around 80% of the total sum of premiums paid (depending on the contract term) and, unlike other investment fund products, the surrender value is guaranteed throughout the contract term. In order to achieve a return, the Scala Capital product uses investment funds, and consequently the return is subject to normal market volatility.
Review on the third pillar Baloise Safe Plan 100
Review on the third pillar Baloise Safe Plan 100. Life insurance with 100% index participation, available as pillar 3a and 3b. The product offers a guaranteed final capital of approx. 75-80% of the total amount of premiums paid (depending on the duration of the contract) and, unlike some investment fund products, the surrender value is guaranteed throughout the contract term.
Review on the third pillar for cross-border workers Liechtenstein Life kokon value plus 3a or 3b
Review on the third pillar Liechtenstein Life kokon value plus 3a or 3b. Unit-linked insurance (linked to investment funds). Available as pillar 3a or pillar 3b. Liechtenstein Life offers, in our opinion, a high-quality product, which can give a lot of satisfaction if done properly, but also a lot of headaches if the advisor/intermediary is not properly prepared or does not know the product well.
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