PENSIONS & INVESTMENTS

Third pillar: build capital and prepare for the future

UAG & Associés helps you choose a solution adapted to your personal, professional and family situation.

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Understanding the Three Pillars System

In Switzerland, the third pillar complements state and occupational pension benefits. It helps prepare for retirement, build capital and, depending on the solution, protect loved ones.

1ST PILLAR: STATE

Public welfare (AVS). Mandatory state insurance.

2ND PILLAR: EMPLOYER

Professional pension plan (LPP). Compulsory professional insurance for employees.

3RD PILLAR: INDIVIDUAL

The optional individual supplement: linked insurance 3a or free 3b.

PENSION SOLUTIONS

According to your objectives and your profile

3A OPTIMIZATION

3A / 3B

TODAY. CAPITAL PROTECTION RETIREMENT FUTURE RETIREMENT HORIZON

Solutions tailored to your objectives

We compare the available solutions to balance pension planning, protection, savings and taxation.

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Tax Optimization

Pillar 3a payments can be deducted from taxable income within the limits provided by legislation.

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Family Protection

Coverage can protect your loved ones in the event of incapacity to earn, disability or death.

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INVESTMENTS & SAVINGS

Investment funds, payment plans, savings and annuities depending on the product selected.

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WITHDRAWAL CONDITIONS

Third-pillar 3a capital may be withdrawn in cases provided by law. Pillar 3b generally offers greater flexibility.

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“A pension solution must remain adapted to your life, today and tomorrow. »

— UAG & ASSOCIÉS

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