The 3rd pillar is much more than simple savings: it’s a personal pension tool that complements the AVS (1st pillar) and the LPP (2nd pillar). It helps you maintain your standard of living in retirement, benefit from attractive tax advantages, and build funds for major projects (home purchase, self-employment, etc.).
At FBKConseils, we help you choose the 3rd pillar that truly fits your needs and your situation.
At FBKConseils, our team is highly qualified, trained and passionate, bringing expertise across multiple fields to support you throughout your projects.
We don’t just explain contribution limits, we precisely calculate the real tax impact of your 3rd pillar, taking into account your income, your canton of residence, and your deductions.
There are many contracts and providers on the market. We review multiple offers for you, simulate different scenarios, and help you clearly understand the advantages and limitations of each solution, without bias.
From the first free consultation to signing your contract, we stay by your side. We answer all your questions and ensure that you fully understand the short-, medium-, and long-term implications.
At FBKConseils, there’s no complicated jargon or hidden fees. We believe in education and dialogue: you leave with a clear understanding of your contract and its financial impact.
With us, everything usually starts with a free introductory meeting, either at our office or via video call, to discuss your needs and guide you towards the best possible solution.
0.-
Includes:
195.-
/hour
Includes:
3rd pillar A: contribution limits apply, amounts are deductible from taxable income, and it is specifically for retirement savings. Withdrawals are subject to conditions and taxed.
3rd pillar B: more flexible, no contribution limit (except in some cantons), generally not tax-deductible, withdrawal is free and untaxed.
In 2025, the limit is CHF 7,258 for employees and 20% of net income up to CHF 36,288 for self-employed individuals.
Yes. You can pause your payments at any time, though it’s recommended to plan these decisions carefully to avoid financial or tax losses.
Yes, and it is even recommended. This allows you to diversify your investments, better organize your future withdrawals (especially to reduce taxes), and keep greater flexibility.
Reading time 10 min. Updated on July, 16th 2024.
Reading time 4 min. Updated on January 8th, 2025.
Reading time 4 min. Updated on November, 20th 2023.
Reading time 4 min. Updated on January, 10th 2025.
Reading time 9 min. Updated on January, 10th 2025.