3rd pillar (3a and 3b)
For your personal retirement strategy and family well-being, the Swiss people took a decision on 3 basic principles in 1972.
- Money saving for comprehensive retirement insurance; the amount is chosen at your will
- Tax advantage for fixed pension (pillar 3a): the maximum amount for individuals with independent earnings is 6,883 Swiss francs in 2021, and for individual entrepreneurs it is 20% of the annual income, maximum 34,416 Swiss francs per year and per person
- Disability insurance
- Life insurance
- Premium waiver
- Investment with the optimal interest (on average 3.6% for the last 20 years)