Even if you have always paid your OASI contributions in full and always been insured in a pension fund through your employer, you can expect to receive only 60% of your final salary as pension income. That means the third pillar is an essential way of supplementing your OASI and pension fund benefits in line with your needs.
Pillar 3b is part of Switzerland’s system of private pension provision and is also referred to as flexible pension provision. The pillar-3b pension solutions are flexible and can be easily adapted to meet your precise requirements and savings goals. The contract terms and benefits are freely selectable, making them an ideal fit for pillar-3a products.
Anybody, irrespective of occupation and place of residence, can make pillar-3b payments. Restrictions are possible depending on each company’s acceptance guidelines.
As a general rule, at any time. The law imposes no restrictions.
The amount you can pay in is not fixed. Restrictions are possible depending on the statutory requirements.
As a general rule, at any time.
Capital payments under 3b insurance solutions with annual premiums are generally tax-free. Payouts under single-premium insurance solutions are tax-free provided: