{"id":7333,"date":"2025-07-17T14:02:32","date_gmt":"2025-07-17T14:02:32","guid":{"rendered":"https:\/\/insurancekeepers.ch\/private-pension\/"},"modified":"2025-09-08T08:44:23","modified_gmt":"2025-09-08T08:44:23","slug":"private-pension","status":"publish","type":"page","link":"https:\/\/insurancekeepers.ch\/en\/private-pension\/","title":{"rendered":"Private Pension"},"content":{"rendered":"\t\t
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Do you live in Switzerland and do not yet have private pension provision?<\/div>\r\n
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The 3rd pillar: essential for your financial future in Switzerland <\/h2>\r\n <\/div>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Swiss pension system is based on three complementary pillars: the first pillar (AVS\/AI), the second pillar (LPP) and the third pillar (private pension provision).<\/p>

Private pension provision, or the third pillar, is a voluntary choice, unlike the first two pillars. However, it remains essential for maintaining a comfortable standard of living in retirement.<\/p> <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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At Insurance Keepers, we explain it to you.<\/div>\r\n
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The three-pillar system in Switzerland <\/h2>\r\n <\/div>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t1st Pillar
The State Pillar (AHV\/IV)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tFunded by a pay-as-you-go system, this pillar offers basic protection in case of retirement, disability, or death. It guarantees the minimum living wage, regardless of income level. It forms the foundation of social security in Switzerland. \n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t2nd Pillar
Occupational Pension Scheme (BVG)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tBased on capitalization, it complements the first pillar to maintain the standard of living in retirement. Mandatory for employees above a certain income, it remains optional for the self-employed, who can join to build up savings with tax advantages. \n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t3rd Pillar
Private Pension\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tOptional but strategic, it helps cover the gaps in the first two pillars. It serves to save, optimize one's taxation, protect loved ones, or finance a real estate project. It is a tailor-made pension and wealth planning tool. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Pillar 3A<\/div>\r\n
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Tax-advantaged tied pension plans <\/h2>\r\n <\/div>\r\n

Pillar 3a is a regulated pension product reserved for persons domiciled in Switzerland with income subject to AHV. \n

\nCross-border commuters may also be eligible, subject to a thorough assessment. Quasi-resident status is required in order to benefit from the tax advantage. \n

\nThe choice of health insurance system (LAMal\/CMU) also has an impact on taxation when the contract expires.<\/p>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tRepurchase of Contributions in Pillar 3a \u2013 New for 2026\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tFrom 2026, you will be able to repurchase non-contributed years for 2025 and subsequent years. \n

Conditions: not having contributed the maximum amount for the year to be repurchased, having contributed the maximum for the current year, not having already repurchased this year, and not having received a 3a benefit.\n

The request must be in writing and addressed to your 3a provider with the following information: year concerned, AHV income, amount already paid.\nThis measure strengthens your retirement capital while creating an immediate additional tax deduction.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\tEach amount paid is deductible from taxable income. In 2025, the ceiling is set at CHF 7,258<\/strong> for BVG affiliates and CHF 36,288<\/strong> (or 20%<\/strong> of income) for self-employed individuals without a 2nd pillar.\nDepending on your income, canton, and family situation, you can significantly reduce your taxes. \n

For example, a taxpayer taxed at 30%<\/strong> who pays CHF 7,258<\/strong> saves more than CHF 2,000 per year<\/strong>.\nUpon withdrawal, the capital is taxed separately at a reduced rate. By planning your withdrawals, you can smooth the tax impact and improve your net return. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Withdrawal of regulated capital<\/strong>\n

\nCapital may be withdrawn before retirement age in certain situations: purchase or construction of a main residence, repayment of a mortgage, permanent departure from Switzerland, commencement of self-employment or disability.\n

\nSubscription conditions<\/strong>\n<\/p>\r\n <\/div>\r\n \r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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