Pay into pillar 3 and save taxes. Work out your potential savings now.
State pension and occupational pension benefits (pillars 1 and 2) are often too small to allow pensioners to maintain their standard of living in retirement. Without the third pillar, there can be a substantial gap in pension provisions. Paying into pillar 3a not only helps you accumulate retirement savings but also translates into tax savings each year. Plus, if you choose an insurance plan, you can enjoy cover against risks such as incapacity for work, illness/disability or death as well.
Is your pension going to be enough for you to keep the same standard of living after you retire? Do you also want to make sure your family is financially secure and save on your tax bill every year? There is a huge range of pension products available. An in-depth analysis should be carried out in advance to find the right solution for you which meets your personal requirements. Please get in touch with us for a non-binding and free advice from the pension experts at our partner service Optimatis. You can then make your decision when you are ready and they will take care of the rest.
For a carefree future
The private pension is the third pillar of the Swiss retirement system called the "three-pillar concept". There are plenty of options to invest your savings. Both banks and insurance companies offer appropriate solutions. In addition to the conventional, fixed-interest pillar 3a bank account, banks also offer so-called fund accounts for investors willing to take more risks. If you are interested in both saving money and being covered against risks such as death or incapacity for work due to illness or injury, then third-pillar insurance products might be the right choice. Investments into any of the pillar 3a products may be fully deducted from your taxable income up to the maximum annual contribution as set by law. Private retirement savings are important to maintain one's desired standard of living in retirement. And yet, a large part of the Swiss population starts planning their retirement late, insufficiently or incompletely.