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Ratgeber Private Vorsorge: Unterschiede 3a und 3b

What is the difference between pillars 3a and 3b?

Would you like to put away some money for your retirement or to save for a long-held dream? With a private pension plan there are various options for achieving your savings objectives. Helvetia explains the differences between tied and flexible pension plans.

What is the third pillar ?

The third pillar of the Swiss pension system is also referred to as private pension provision . Private pension planning comprises both tied (pillar 3a) and flexible (pillar 3b) options and supplements your OASI (pillar 1) and occupational pension fund benefits (pillar 2) . Demographic trends and rising life expectancy mean that pillar 3 pension provision is becoming increasingly important in Switzerland . When you retire, your pillar 1 and pillar 2 benefits alone will often only provide about 60% of your previous salary. That’s why it’s worthwhile for young adults to think seriously about private pension provision.

Pillar 3a: tied pension provision

Pillar 3a is called tied pension provision because it is primarily for the purpose of retirement provision and for that reason enjoys federal tax relief. You can only pay in to pillar 3a up to a set maximum amount and contributions can be deducted from your taxable income each year.

Pillar 3b: flexible pension provision

Pillar 3b is called flexible pension provision because it permits greater freedom and can cover other needs in addition to those covered by pillar 3a. There are no maximum annual contributions in pillar 3b. However, the contributions are not tax-deductible. The savings balance must be declared as an asset for tax purposes. Withdrawals, on the other hand, are tax-free and can be made at any time.

Pillars 3a and 3b compared

3a or 3b: Which is the right choice?

You can invest your money in tied or flexible pension provision, depending on your savings goal. If you primarily want to put the money away for your retirement, pillar 3a is the right choice for you because of the tax advantages. But if you’re saving for a round-the-world trip, you should invest your money in pillar 3b, which allows you to withdraw your money whenever you choose.
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