With pillar 3b.
Freedom of choice.

Convert your cellar into a DIY paradise. Take time off work to travel the world with your family. With pillar 3b – unrestricted retirement provision – you can improve your private retirement provision flexibly and maintain your standard of living in old age. You can also use the money to fulfil a dream beforehand.

As part of Switzerland’s three-pillar system, pillar 3b is a form of private pension provision. Unlike pillar 3a, pillar 3b is not tied to retirement – it can also be used for medium to long-term savings goals. That is why it is known as unrestricted retirement provision.

Want to pay in a large amount? Perhaps you have plans and would like to access your savings early. No problem at all. With unrestricted retirement provision, you are free to use your money as you see fit. 

That said, you should still think carefully about withdrawing your pillar 3b capital early. After all, it is not exclusively for your own retirement provision. It also serves to protect your loved ones financially in the event of your death. In pillar 3b, you can choose for yourself who to appoint as the beneficiary.

If you use pillar 3b for your private retirement provision, you can benefit from tax advantages when you make large deposits. For your pillar 3b capital, including returns and surpluses, to be tax-free on withdrawal, the following conditions must be met:

• The term must be at least five years.
• The withdrawal may only be made after the age of 60.
• The contract must be concluded before the age of 66.

You can take out a pillar 3b solution with a bank or an insurer – either as an insurance policy or as a pure savings/investment product. The advantage of insurance solutions is that you also benefit from cover in the event of death and disability.

We would be happy to discuss which option is best for you during a consultation.