...

Opening a 3rd Pillar in Switzerland: A key decision for your future

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.

Make an appointment
services retire

At FBKConseils, our team is highly qualified, trained and passionate, bringing expertise across multiple fields to support you throughout your projects.

Plan de travail 26 2

Tailor-made tax advice

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.

icones landing page 27 1

Objective comparison of solutions

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.

Asset 18

Step-by-step support

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.

icones landing page 10

A human and transparent approach

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.

Our offers for opening a 3rd pillar

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.

Introductory meeting
We review your situation and explore how we can help.

0.-

Includes:

  • 15-minute introductory consultation.
  • Answers to your first questions.
  • No commitment.
Advisory meeting
We build your project at your pace. We charge by the hour, depending on your needs.

195.-

/hour

Includes:

  • 15-minute introductory consultation.
  • Advisory meeting with initial analysis.
  • Tax simulation and comparison of several solutions.
  • Full support until your contract is signed.

Frequently asked questions about the 3rd pillar

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.

info d

How can we help you?

Noe transat 1

How can I make the most of my retirement in Switzerland?

Reading time 10 min.
Updated on July, 16th 2024.

What is a third pillar and how to choose between a 3A or a 3B?

Reading time 4 min.
Updated on January 8th, 2025.

What is the pillar 3B and how to choose it?

Reading time 4 min.
Updated on November, 20th 2023.

Why is it advantageous to have several pillar 3A accounts?

Reading time 4 min.
Updated on January, 10th 2025.

Pillar 3A at the bank or with an insurance, what is the best choice?

Reading time 9 min.
Updated on January, 10th 2025.