Open architecture
We offer you the opportunity to invest your money with 5 renowned investment fund providers - UBS, Pictet, Swisscanto, SwissLife, and Credit Suisse. A real asset when it comes to diversifying your portfolio.
You can take out a 3rd pillar A policy at any age and with a number of different providers. However, Crédit Agricole next bank has a number of differentiating advantages.
We offer you the opportunity to invest your money with 5 renowned investment fund providers - UBS, Pictet, Swisscanto, SwissLife, and Credit Suisse. A real asset when it comes to diversifying your portfolio.
Our bank offers one of the best interest rates for your 3rd pillar A.
Our advisors advise you, from reviewing your situation right through to opening your 3rd pillar.
The amount of the 1st and 2nd pillars that you will receive on retirement will represent on average 60% of your last salary before retirement. The 3rd pillar is a voluntary, individual savings plan designed for the long term to provide you with additional income at the end of your professional life.
It can also be used to finance other projects, but at this point, we need to differentiate between 3rd pillar A and 3rd pillar B:
It can be withdrawn no earlier than 5 years before retirement, or earlier in certain specific cases, notably:
It may be withdrawn at any time and unconditionally.
Need more information?
The tax advantage you can benefit from depends on a number of criteria: the amount of your 3rd pillar A contribution, the amount of your annual taxable income, your canton of residence, etc.
To benefit, we recommend that you make your payment before 15 December this year, to ensure that it is taken into account for the current year. Payments into your 3rd pillar A are deductible from your taxable income, up to a certain limit**.
In 2023, the ceilings for 3rd pillar A are defined as follows:
You can contribute up to CHF 7,056 and deduct it from your income.
You can deduct up to CHF 35,280 (up to 20% of your net annual income).
By paying CHF 3,600 into their 3rd pillar A, the estimated tax saving is :
If she pays the maximum amount for 2023 into her 3rd pillar A, i.e. CHF 35,280, the estimated tax saving is :
By each paying the maximum amount for 2023 into their 3rd pillar A, i.e. CHF 7,056, the estimated tax saving is :
How much will I receive when I retire?
* From 01.11.2023. ** Depending on the canton and your tax status.