3RD PILLAR SAVE WHILE PAYING LESS TAX.
The 3rd pillar is the most powerful tax lever available to every employee and self-employed person in Switzerland. CHF 7'258 deductible per year (employees), an immediate tax saving and retirement savings that keep growing.
COMPREHENSIVE SUPPORT FOR YOUR 3RD PILLAR
From analysing your situation to tax optimisation, choosing the most suitable solution and planning the withdrawal, we support you at every step to maximise the benefits of your 3rd pillar and prepare for retirement with peace of mind.
Anticipate
PENSION ANALYSIS
We analyse your personal and professional situation to estimate your future retirement income, identify any pension gaps and define a strategy suited to your goals.
SAVE
Tax optimisation
The 3rd pillar is an excellent tool for reducing your taxes. We help you determine the optimal amounts to pay in, so that you maximise your tax benefits while preparing effectively for retirement.
CHOOSE
3rd pillar advice
We compare the solutions available and help you choose the pension product best suited to your situation. Our advice takes into account your goals, your investment horizon and your overall financial situation.
OPTIMISE
Withdrawal planning
Preparing the withdrawal of your 3rd pillar carefully reduces the tax due when the capital is paid out. Together, we draw up an optimised withdrawal strategy, coordinated with your overall retirement planning.
A concrete example
Employee in Lausanne or Geneva, taxable income CHF 80'000
CHF 7'258
Annual 3a contribution
~CHF 2'000
Tax saving/year
CHF 345'235
CAPITAL AFTER 30 YEARS (3%)
Pillar 3a vs pillar 3b
Pillar 3a (restricted)
Deductible from taxable income. Maximum CHF 7'258/year for employees (2025), CHF 36'288 for the self-employed without a 2nd pillar. Withdrawal possible from 5 years before retirement age, or to buy property or move abroad.
Pillar 3b (flexible)
Flexible savings with no cap and no federal deduction. Cantonal tax benefits vary. Ideal for estate planning and flexibility.
Open your 3rd pillar
The 3rd pillar is an essential tool for preparing for retirement while enjoying tax benefits. Find answers to the most frequently asked questions about pension provision, tax deductions, withdrawals and optimising your retirement capital.
FREQUENTLY ASKED QUESTIONS ABOUT THE 3RD PILLAR
Why open a 3rd pillar?
The 3rd pillar tops up your AHV/AVS and BVG/LPP benefits while giving you attractive tax advantages. It is an excellent way to prepare for retirement and secure your financial future.
What are the tax benefits of the 3rd pillar?
Contributions paid into a restricted 3rd pillar (pillar 3a) are generally deductible from your taxable income, which reduces your annual tax bill.
What happens if I move abroad?
If you leave Switzerland for good, you can withdraw your 3a assets. They are taxed separately from your other income, at a reduced rate. Plan the withdrawal with your advisor to minimise the tax.
From what age is it advisable to contribute to the 3rd pillar?
It is best to start as soon as you begin working. The earlier you start, the more you benefit from the tax savings and from the long-term growth of your capital.
How much can I pay into my 3rd pillar?
The maximum amount allowed depends on your employment status. The caps are adjusted every year by the competent authorities.
Is it better to open several 3rd pillar accounts?
Yes, in many cases. Holding several accounts lets you stagger your withdrawals at retirement and can help reduce the tax on the capital withdrawn.
Should I choose a bank or an insurance 3rd pillar?
Each solution has its own advantages. The choice depends on your age, your family situation, your risk tolerance and your financial goals.…
When can I withdraw my 3rd pillar?
Withdrawal usually takes place as you approach retirement, but certain specific situations allow an early withdrawal, notably to buy your main home or to start a self-employed activity.
Why have your pension provision reviewed regularly?
Your personal, family and professional situation changes over time. A periodic review makes sure your pension strategy stays aligned with your goals.…
How can I optimise the withdrawal of my 3rd pillar?
Planning ahead often reduces the tax impact of the withdrawal, by staggering it and coordinating it with your other retirement benefits.
How can Veltica help me?
We analyse your overall situation, optimise your tax and pension strategy, and support you in choosing, monitoring and withdrawing your 3rd pillar, so that you get the most out of it for your retirement.