UAG & Associés helps you choose a solution adapted to your personal, professional and family situation.
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.
Public welfare (AVS). Mandatory state insurance.
Professional pension plan (LPP). Compulsory professional insurance for employees.
The optional individual supplement: linked insurance 3a or free 3b.
We compare the available solutions to balance pension planning, protection, savings and taxation.
Pillar 3a payments can be deducted from taxable income within the limits provided by legislation.
Coverage can protect your loved ones in the event of incapacity to earn, disability or death.
Investment funds, payment plans, savings and annuities depending on the product selected.
Third-pillar 3a capital may be withdrawn in cases provided by law. Pillar 3b generally offers greater flexibility.
“A pension solution must remain adapted to your life, today and tomorrow. »
— UAG & ASSOCIÉSSavings are not equally accessible in pillar 3a and a flexible solution. We examine your reserves, planned expenditure and the legal grounds for withdrawal so that contributions remain compatible with your liquidity needs.
The tax benefit depends on taxable income, the amount contributed and your canton. It should be weighed against fees, duration, investment risk and exit terms to assess the solution as a whole.
An insurance component may provide a lump sum or pension in the event of disability or death. We check benefits already provided by the employer and social insurance so that this protection is sized without unnecessary overlaps.
The choice of beneficiaries and coordination with the matrimonial regime, succession arrangements or a property project require particular attention. A review after family and career changes keeps the solution aligned with your intentions.
Subscribe to receive useful information about pensions, insurance and financing.
UNSUBSCRIBE AT ANY TIME.