3ème pilier

On a 3rd pillar 3B, you define for yourself the duration over which you want to save. In addition, it is possible to withdraw the capital at any time without any preconditions, unlike a 3rd pillar 3A. Another specificity compared to the 3rd pillar 3A: the policyholder, the insured person and the premium payer may be different persons. The cantons of Geneva or Fribourg benefit from advantageous taxation. Premiums paid into a 3rd pillar 3B are deductible from your taxable income up to the ceilings of each canton. Outside these two cantons there is no deduction from taxable income.

Discover the complete taxation of the 3rd pillar 3A and the 3rd pillar 3B

3rd Pillar contracts are fundamentally different whether they are taken out in a bank or an insurance company. To better understand the pros and cons, including the length of the investment, here's how to help you make your choice.

There are 3 ways to make the capital you invest in your 3rd Pillar grow, some solutions rely on total security and others favor returns, in exchange for lower security and guarantees.