The 3rd pillar
Insurance
The 3rd pillar / Private pension
The 3rd pillar, also called private pension, allows you to fill the income gaps of the 1st and 2nd pillars. This allows you to maintain your normal standard of living in retirement.
Knowing that the 1st and 2nd pillars cover only about 60% of your income, or even less if your last annual income was more than 85,000 francs, it is strongly advised to subscribe to a 3rd pillar to avoid putting your financial situation at risk at retirement age.
Since insurance is optional, it is strongly encouraged by significant tax savings. In addition, it also allows you to cover the risks of disability and death. You can protect your financial future and that of your loved ones.
PRIVATE PENSION PROVISION IS DIVIDED INTO TWO PILLARS: PILLAR 3A (LINKED) AND PILLAR 3B (FREE).
Below is a brief comparison of these two elements:
Build your wealth in a targeted way – we have the right solution for you!
Whether you have medium- or long-term goals, want to protect your family while saving or benefit from tax benefits; choose tied (3a) or free (3b) – we always have a solution adapted to your specific needs and can be combined with other products!
Have you taken all necessary measures to preserve your financial situation in the event of incapacity for earnings? What protection do you offer your family in the event of death? Will your retirement income be sufficient? Have you used all the tax deductions that are allowed?
We will be happy to advise you personally. Come visit us, contact us directly by phone, e-mail or via our online form!
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