Säule 3a / 3ème Pilier / 3a Säule / Comparaison 3ème Pilier / Offre 3ème Pilier


The 3ème pilier of the Swiss social security system is known as 3a pillar insurance. This insurance protects people against unexpected financial difficulties in the event of an accident, illness, old age, or death. It covers a wide range of benefits, from income replacement to coverage for mortgage loans, home insurance, and car insurance. It’s important to have 3a pillar insurance because it helps to ensure that people have the financial security they need in times of need. To learn more about how 3a pillar insurance works and why it’s so important for Switzerland, read on!

Types of 3rd pillar

The private pension you have is the third pillar. This time, it doesn’t have a long name to go along with it. It is referred to as the third pillar everywhere. There is only a tiny tweak. Two distinct third pillars exist:

  • Restrictive pension (säule 3a): Locked and tax-advantaged
  • Unrestricted pension (pillar 3b): Locked but with far less tax benefits

I focus mostly on the first one, Pillar 3a, in my post. I refer to Pillar 3a when I discuss the third pillar. We will discuss about 3b pillar in any other blog post later.

Pillar 3a

There are still two methods to invest in a third pillar, even when we concentrate on Pillar 3a.

You can put money into a bank account or into insurance. Investments to your 3ème pilier are tax-advantaged in both scenarios. As of 2021, you may withhold up to 6883 CHF every year from your pay. Your income determines the precise amount that is subtracted from your taxes. Taxes may often be reduced by CHF 2000 per year by making the maximum third pillar contribution.

Each year, the deduction’s dollar amount might change. Consult the official Swiss third pillar website if you wish to stay up to date on the maximum contribution. Keep in mind that in order to receive a tax break, you must deposit the funds by the end of the year. I would advise making an early investment in your 3rd pillar.

You should never contribute more than 6883 CHF annually to your third pillar since there are no tax advantages to doing so. Locking money away without benefits is boring. Actually, the majority of säule 3a will stop you from doing that. If tax benefits are not an option, there are other choices. At the end of each year, you will get a certificate with your payments on it. This can be used to complete your taxes.

How should I pick a 3rd pillar insurance?

Once more, I have no idea which type of life insurance is the best. When researching life insurance, you should consider the following:

  • The monthly payment: You should make a monthly payment that you are at ease with. This will cost you money for many years. The final guaranteed sum will be determined by this. More over 300 CHF is not something I would advise. You ought to reserve a portion for deposits into a 3ème pilier bank account.
  • The final guaranteed sum: The amount you will ultimately receive is the most crucial quantity. The insurance agent will attempt to get you to review predictions. I’d suggest focusing mostly on the guaranteed sum. Nobody is able to forecast results for 30 years or longer. The interest payments should be viewed as a bonus.
  • Investments of funds:Each insurance will invest your money differently. They’ll likely suggest various asset allocation or investment methods to you. Choose the one with which you are most at ease.

Optimizing 3rd pillar insurance

There are several techniques you can do to make the best use of the 3ème pilier.

First, always strive to make the largest annual contribution to your third pillar. If possible don’t put yourself in a difficult financial position only to use up your third pillar. However, the tax benefits of the third pillar are its biggest benefit. So it’s important to maximize it.

Use a retirement fund if you have it in a bank account. You ought to take into account a fund having an asset allocation that you feel secure with. You should think about how much risk you want to face by investing in säule 3a and how many years you would invest. Here’s a little twist. You must pay taxes on the amount you take from your third pillar. Depending on the state you are in, this sum is subject to a variety of taxes.

It is different if we look at the state in which I currently reside (Fribourg). The first 40.000 CHF are subject to a 2% tax. For the following 40.000 CHF, there is a 3% tax, and the tax keeps going up until it reaches a 6% tax. The issue of 3a säule may have previously been obvious to you. Taxes increase in price and cost you more money, the more money you have. And if you withdraw much more, it will grow worse very rapidly.

Money from the third pillar can be withdrawn up to five years before and five years beyond the legal retirement age (if you still work). By establishing many third pillar banks and only withdrawing from one of them each year, you can get around these taxes. There are currently two challenging aspects to this. First off, even if you have a retirement fund, there is no way to predict how much will be in your 3a säule account. The market will determine the returns. If you anticipate double your investment before retiring, you should cease making contributions at 12’500 CHF. There will be taxes on the difference between a 24999 and a 25001 of 1500 CHF! I think this is really ridiculous.


The second tough problem of 3a säule is now at hand. This is being viewed as tax avoidance by certain Swiss states! For instance, you are permitted to have two distinct accounts in the state of Vaud. You are not allowed to do this by the state of Neuchâtel. Currently, many states does not forbid this. But things might alter. As a result, you should use this procedure with caution. Before you do anything, you should verify with your state.

Frequently Asked Questions

What are the benefits of having 3a pillar insurance?

There are many benefits of having 3a pillar insurance. These include:

  • Cybercrime protection: It incidents such as data theft or online fraud can lead to huge losses for businesses. Having 3a pillar insurance provides businesses with coverage for financial loss, property damage, and bankruptcy. This can help to minimize the impact of these types of incidents on the business.
  • Financial protection: Bankruptcy and insolvency can have a devastating impact on businesses’ finances. Having säule 3a insurance can protect businesses from these risks, which will help them to stay afloat and continue operating.
  • Property protection: Buildings or other properties can be damaged beyond repair, which can cause lost revenue and tax expenses for the business owner. Having 3a pillar insurance can help businesses to cover these costs in case of an incident.

Why is it important to have 3a pillar insurance?

Having 3a pillar insurance is important because it helps protect you in case of natural disasters, accidents, and terror attacks. A good rule of thumb to follow when buying insurance is to make sure that it covers everything that is important to you. This way, you can be certain you are fully protected should anything unfortunate happen. In addition to covering risks such as cybercrime, loss of property, and personal injuries, offre 3ème pilier insurance also protects you against natural disasters such as earthquakes, floods, typhoons, and landslides.

What is 3a pillar insurance and what does it cover?

3a pillar insurance is a type of insurance that typically includes mental health, disability and maternity coverage. It’s also known as comprehensive insurance because it provides coverage for a variety of risks that may affect your life – everything from accidents to illnesses and even death. So if you’re looking for insurance that will cover all of the bases when it comes to protecting yourself and your loved ones, then offre 3ème pilier insurance may be a good option for you. And because it’s usually purchased as part of a package with other types of insurance policies, it’s easy to find and affordable too.

Can 3a pillar insurance also protect me if something happens to my personal possessions?

Yes, offre 3ème pilier insurance can also protect you if something happens to your personal possessions. This type of insurance covers a wide range of risks so that you don’t have to worry about anything catastrophic happening. These risks include property damage, accidental death and disablement caused by theft or sabotage.

What are the most common uses for 3a pillar insurance?

3a pillar insurance is insurance that covers a person’s belongings even if they’re not physically with them at the time of an event. This can include things like theft, fire, and natural disasters. Offre 3ème pilier insurance can also be used for a variety of reasons, the most common being to cover personal injury and loss of income caused by an event.

How does 3a pillar insurance work?

Your business is vulnerable to a variety of risks, and it’s important to have coverage for them all. That’s where 3a pillar insurance comes in. A 3a pillar insurance policy protects your business against three types of risk – physical damage, cyber security, and data loss. This way, you can reduce the amount of stress and worry you experience when something unexpected happens. Having a policy in place can also help you reduce the amount of financial damage that can be caused by any of these risks. So, what are you waiting for? Get a comparaison 3ème pilier policy for your business today!

Why is 3a pillar insurance important for Switzerland?

3a pillar insurance is an important part of life for Swiss citizens. It protects your assets in the event of an accident or health incident, and can be essential in times of unemployment or disability. If you’re interested in finding out more about this type of insurance and whether it’s right for you, contact an agent today. They can provide you with all the information you need to make an informed decision. Additionally, comparaison 3ème pilier can be a great financial backstop in the event of any unforeseen circumstances. So, if you’re living in Switzerland and are looking for insurance that will protect your assets and income, 3a pillar insurance is the right option for you!

Who can avail of 3a pillar insurance?

3a pillar insurance is an important addition to any family’s insurance policy. It offers comprehensive coverage of risks that can be extremely difficult to cover on your own. This includes coverage for accidents and illnesses, as well as for businesses of all sizes. In addition to safeguarding yourself and your loved ones, comparaison 3ème pilier can also help protect your assets in the event of an accident. So whether you’re a small business owner or a senior citizen, contact a 3a pillar insurance company today for more information about their products. You won’t regret it!

Why is 3a pillar insurance so important?

3a pillar insurance is a type of insurance that can help protect you financially in the event of an accident or illness. It’s important to have this kind of coverage because it can help you get back on your feet and focus on recovering from the negative effects of an event, rather than worrying about the financial ramifications. By having comparaison 3ème pilier, you’re giving yourself peace-of-mind by knowing that you’re covered in case something bad happens.

How to get 3a pillar insurance?

Cybercrime is on the rise and it’s affecting businesses of all sizes. By getting 3a pillar insurance, you’ll feel more confident about protecting yourself and your business. This insurance covers losses from breaches in data security, including unauthorized access to your personal information and theft of equipment or intellectual property. It can help protect you if you’re the victim of a cybercrime, and it’s an important step in safeguarding your business data. Make sure to talk to an insurance advisor to see if 3a pillar insurance is right for your business.


3a säule insurance is a type of insurance that is specifically designed to cover risks associated with the financial sector. This insurance is important for Switzerland as it provides a comprehensive and reliable solution for protecting your financial security in the event of an emergency. If you’re interested in learning more about 3a pillar insurance or want to get started with obtaining it, be sure to check out our website! We would love to hear your thoughts about this important insurance.

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