Pillar 3b – flexible pension planning
Unrestricted pension complements your restricted pension with maximum freedom.
Pillar 3b is Switzerland's unrestricted pension – with no statutory contribution limits and flexible access to your capital. It serves as an ideal complement to restricted pension and offers tax advantages depending on the canton. Solidwave advises you on the optimal product selection.
No contribution limits
Unlike Pillar 3a, there are no legal maximum contributions. You can invest as much as you want – ideal for building additional wealth.
Accessible at any time
Depending on the product, your capital is available at any time or after an agreed term. This offers significantly more flexibility than Pillar 3a.
Tax treatment varies by canton
The tax advantages of Pillar 3b vary considerably by canton and product. In some cantons, capital payouts from life insurance policies receive favorable tax treatment.
Wide range of products
Savings accounts, investment funds, life insurance, or unit-linked policies – Pillar 3b offers a broad selection of products for different needs and risk profiles.
What We Offer
- ✓Independent product comparison across all investment categories
- ✓Tax optimization based on your canton of residence
- ✓Advice on the right investment strategy
- ✓Smart combination of Pillar 3a and 3b
Ready for independent advice?
Contact us for a free and non-binding initial consultation. Together, we will find the optimal solution for your insurance needs.
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