3ème Pilier

In Switzerland, 3ème pilier insurance is a type of private pension that is designed to complement the state pension (1st pillar) and occupational pension (2nd pillar). It is a voluntary scheme to which both employees and employers can contribute. The money saved in a 3rd pillar pension plan can be used to supplement your income in retirement or to cover the costs of long-term care.

3ème pilier pensions are a tax-efficient way to save for retirement, as contributions are made with pre-tax income and the money grows tax-free. When you retire, you can choose to take your 3rd pillar pension as a lump sum or an annuity. If you take it as an annuity, you will receive regular payments for life, but if you take it as a lump sum, you will have access to the full amount of your savings all at once.

There are two main types of 3ème pilier insurance in Switzerland: 

How does 3ème pilier insurance work?

In Switzerland, the 3ème pilier is a supplementary pension system that is separate from the first two pillars (the state old-age and survivors’ insurance scheme and the occupational pension scheme). It is designed to supplement the income of retirees from the first two pillars.

There are three types of third pillar pension schemes:

3ème pilier schemes are voluntary, so it is up to each individual to decide whether or not they want to join one. There are advantages and disadvantages to doing so, which should be considered before making a decision.

3ème pilier

FAQs (Frequently Asked Questions)

Who is eligible for 3rd pillar insurance?

In order to be eligible for 3ème pilier insurance in Switzerland, you must be a resident of Switzerland and over the age of 18. You must also be employed or self-employed in Switzerland. If you are not employed or self-employed, you may still be eligible if you are a student, pensioner, or have other sources of income.

What are the benefits of 3ème pilier insurance?

There are many benefits of 3rd pillar insurance in Switzerland. One benefit is that it can help you save for retirement. Another benefit is that it can provide you with a tax-advantaged way to save money. Additionally, third pillar insurance can give you a death benefit and allow you to pass on your pension to your beneficiaries.

How to choose the right 3rd pillar insurance plan?

When it comes to 3ème pilier insurance in Switzerland, there are a few things to keep in mind in order to choose the right plan for you. Here are a few tips:


3ème pilier insurance in Switzerland is a great way to save for retirement. By contributing to a 3rd pillar plan, you can take advantage of tax breaks and grow your nest egg over time. Plus, with the right 3rd pillar plan, you can have peace of mind knowing that your retirement savings are well-protected. If you're looking for a way to save for retirement, 3ème pilier insurance could be the perfect solution for you.

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