Why is private pension provision so important? Why should you plan for retirement at an early age? Are your personal financial plans for the future adequately protected? We have the answers to your questions, as well as clear information that is easy to understand, and can offer retirement solutions tailored to your individual requirements and circumstances.
The maximum amount for Pillar 3a tax deductions is adjusted annually. For 2023/24 it was as follows:
Employees: a maximum of CHF 7,056
Self-employed individuals with no pension fund: a maximum of CHF 35,280
The federal government supports Pillar 3 with attractive tax benefits, enabling you to make massive tax savings as well as provide for the future.
Pillar 3a in particular is considered to be a sensible measure for tax optimization and therefore saving.
Tax advantages of Pillar 3a:
Tax advantages of Pillar 3b:
Pillar 3 is ideal for saving money and providing for the future. A distinction is made between tied pension provision (Pillar 3a) and flexible pension provision (Pillar 3b): Generally speaking, we recommend a combination of the two.
By opting for Pillar 3 from an insurance company, you are protecting yourself and your loved ones in the event of disability and death. In addition, with private pension provision from an insurance company you are committed to making regular payments up to retirement age, which has a positive effect on the capital you accumulate as well as a compound interest effect. The differences are explained in detail in our blog Building up a pension – a comparison of banks and insurance companies .
Do you have any questions, or would you like a no-obligation pension consultation? Our experts are there for you.
The purpose of the three-pillar pension system is to ensure that people in Switzerland are financially secure in their old age and in the event of disability or death.
By making voluntary payments into tied pension provision (Pillar 3a) or flexible pension provision (Pillar 3b), you can close income gaps from Pillars 1 and 2 to the maximum extent possible.
Those wishing to save capital for retirement reliably and sustainably will fare best with targeted investment in diversified shares.
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