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044-558-6168




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 * Pillar 3a
 * Pillar 3b
 * How it Works
 * Contact


3RD PILLAR ADVICE & COMPARISON


THERE ARE 1,440 MINUTES IN A DAY. TAKE 1 TO HAVE US CALL YOU.

Get Offers

Without any compromise!

Opening hours are Monday to Friday,
9am to 5pm, Callbacks scheduled up to 8pm





THERE ARE 1,440 MINUTES IN A DAY. TAKE 1 TO CALL US.

Call Now 044-558-6168

Without any compromise!

Opening hours are Monday to Friday, 9am to 5pm, Callbacks scheduled up to 8pm



Call

Click here to have us call you.

Offers



We send you a product comparison of the best offers.

3rd Pillar



You will get the forms to fill out and you are ready to go.


WHAT IS A THIRD PILLAR PENSION?

The Swiss pension system is made up of three Pillars – state pensions,
occupational pensions and private pensions.



Pillar 1

State Pensions

Government

Pillar 2

Company Pensions

Employer

Pillar 3

Private Pensions

Individual




PILLAR 3 IS SPLIT INTO TWO DIFFERENT OPTIONS;





PILLAR 3A

 * Pillar 3a max CHF 7,056 (2023) as per Swiss government website ch.ch
 * Contributions are income tax deductible
 * Typical tax saving CHF 2,500+ per year
 * Withdraw when leaving Switzerland
 * Option of a Capital Protection and/or funds – benefit from higher investment
   returns without risking your capital
 * Full Pillar 3a details here

Pillar 3a details


PILLAR 3B

 * No maximum annual contribution limit
 * No tax deduction on entry (Apart from Geneva), no tax on growth, and no tax
   on exit
 * Unrestricted – can be accessed for any reason or purpose
 * Can be used to pay off mortgages, finance university costs and as an
   investment account
 * Option of a Capital Guarantee and /or funds – benefit from higher investment
   returns without risking your capital
 * Full Pillar 3b details here

Pillar 3b details



CONFUSED BY THE OPTIONS?

Give us a call, or use the chat feature to speak to experts live now!

At pillar3 we are experts on everything 3rd pillar pension. From what is a 3rd
pillar, what is the 3a max, to what type of investment should go within your 3rd
pillar. We give independent, tailored advice to fit your needs. For Swiss
residents/prior residents only.





HOW DOES IT WORK?

Opening hours are Monday to Friday, 9am to 5pm, Callbacks scheduled up to 8pm

Call

Click here to call us now.

Offers



We send you a product comparison of the best offers.

3rd Pillar



You will get the forms to fill out and you are ready to go.

Opening hours are Monday to Friday, 9am to 5pm, Callbacks scheduled up to 8pm

Time is up! But you can still save tax for next year so get in touch now.


WHAT’S THIS?

Time left to submit 3rd pillar applications for 2023

Call me, I'd like to know more

Opening hours are Monday to Friday,
9am to 5pm, Callbacks scheduled up to 8pm


Time is up! But you have another chance starting January 1st – get in
touch!


WHAT’S THIS?

Time left to submit 3rd pillar applications for 2023

Click to call and find out more

Opening hours are Monday to Friday,
9am to 5pm, Callbacks scheduled up to 8pm



Pillar 3a

Pillar 3b

Save tax

Use for property

Retirement planning

Education funding



HOW ARE WE DIFFERENT?

We do not have our own products, and we are totally unbiased in our opinion. We
give advice that is;

 * Independent
 * Qualified
 * Regulated



So, what are you waiting for?

Get your third pillar

Opening hours are Monday to Friday,
9am to 5pm, Callbacks scheduled up to 8pm

Save tax, using a high yield savings account, with the best savings rates. Have
more money for your pension drawdown, more money to buy a house, and save more
effectively for your children’s education funds. For Swiss residents/prior
residents only.




We do not have our own products, and we are totally unbiased in our opinion. We
give advice that is;

 * Independent
 * Qualified
 * Regulated



So, what are you waiting for?

Get your third pillar

Opening hours are Monday to Friday,
9am to 5pm, Callbacks scheduled up to 8pm

Save tax with a 3rd pillar pension, using a high yield savings account, with the
best savings rates. Have more money for your pension drawdown, more money to buy
a house, and save more effectively for your children’s education funds. For
Swiss residents/prior residents only.



Call Us 044-558-6168


Copyright © 2024 Imperial Wealth Planning GmbH. All rights reserved.


Call me

My Phone no. e.g. +41790000000

My Email:

Call back time At 08:00 - 08:3008:30 - 09:0009:00 - 09:3009:30 - 10:0010:00 -
10:3010:30 - 11:0011:00 - 11:3011:30 - 12:0012:00 - 12:3012:30 - 13:0013:00 -
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16:3016:30 - 17:0017:30 - 18:0018:30 - 19:0019:30 - 20:00

For callbacks to a mobile phone abroad costs may be incurred with the
telecommunications provider.




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Education Funding

The third pillar can be a great way to save for your child’s university or
start-up costs. Using a pillar 3b – with unrestricted access and unlimited
contributions – means you can set up a regular payment that comes to fruition
when your child reaches 18 (or however long you decide to set it up for).
Utilizing a capital guarantee ensures you will reach your goal, and the right
investment provides the opportunity to surpass it. Withdrawals from a regular 3b
are free from tax.

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Retirement Planning

The Swiss government realized a long time ago that State and company pensions
would only provide a basic standard of living. To encourage people to take
ownership of their own futures, the government introduced the third pillar
pension, incentivised with a tax break.

However, the investment within the third pillar can be as – if not more –
interesting than the tax saving. By choosing the right investment, you can
expect c.4% p.a. with a capital guarantee, or 5-10% p.a. using funds. Our
advisers are experts in matching investments to meet your needs.

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Buy a House

The third pillar can also be used to buy or repay a property in Switzerland.

It can be used as part of the deposit (max 50%), or to repay the mortgage
(indirect amortization).

In both cases, it is possible to make significant savings in tax and growth.
However, you must also make sure you do not use pension funds now that will
leave you with too little in retirement.

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Save Tax

The government supports people saving for their retirement by making
contributions to the pillar 3a tax deductible. The average tax saving is CHF
2,000. Even better, if you are married and both working you can double the tax
saving! That’s an average of CHF 4,000 saved in tax per couple.

The maximum employed people can contribute to the pillar 3a is CHF 6,768 per
person. Self-employed people can contribute up to a massive CHF 33,840 per year.

For those in French-speaking Switzerland (Romandy), tax deductions can also be
made for pillar 3b, limited to certain maximums (click here for more details).
For example, in Geneva a family of 5 could contribute up to CHF 19,583 per year,
leading to a tax saving of around CHF 5,875.

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Pillar 3b

What is Pillar 3b?

 * Private pension for anyone living in Switzerland
 * Little/no income tax deduction (canton dependent)
 * No maximum annual contribution level
 * No tax deduction on entry, no tax on growth, and no tax on exit
 * Unrestricted – can be accessed for any reason or purpose
 * Growth 0.5% – 9% per year (product dependent)
 * Option of a Capital Guarantee – benefit from higher investment returns
   without risking your capital
 * Keep open and continue to contribute even if you leave Switzerland (product
   dependent)
 * We handle the setup or transfer of your 3rd Pillar pension
 * For those in French-speaking Switzerland (Romandy), tax deductions can also
   be made for pillar 3b, limited to certain maximums
 * In Geneva for example, married couples can deduct a further CHF 3,326 in
   pillar 3b from their taxable income, with an extra CHF 907 deduction per
   child.
 * For more information regarding pillar 3b tax deductions in Geneva, Fribourg
   and Vaud, contact us now.

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Pillar 3a

What is Pillar 3a?

 * Private pension for persons earning an income
 * Maximum contribution CHF 6,768 (employed) or CHF 33,840 (self employed) per
   year (2016)
 * Contributions are income tax deductible. Example:

Income 2016 = CHF 100,000 – CHF 6,768 (Pillar 3a contribution) = CHF 93,232

 * Typical tax saving = CHF 2,000
 * No tax on entry, no tax on growth, only a low one-off tax on exit
 * Growth 0.5% – 9% per year (product dependent)
 * Option of a Capital Guarantee – benefit from higher investment returns
   without risking your capital
 * Can only be accessed at retirement, for property purchase, to set up a
   business, leaving Switzerland, or in case of long term disability
 * Keep open and continue to contribute even if you leave Switzerland (product
   dependent)
 * Growth 0.5% – 9% per year (product dependent)
 * We handle the setup or transfer of your 3rd Pillar pension

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