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.
With the 3rd pillar, you can envision your future
Why not make your plans a reality?
Special offer
CHF 100 free!
For any payment of at least CHF 500 into a new 3rd pillar account opened between 15 October and 15 December 2024, you will receive a payment of 100 CHF into your CA Libre Epargne account and will be automatically entered into our competition to try to win CHF 1,000*.
Crédit Agricole next bank 3rd pillar: greater expertise and flexibility
You can take out a Pillar 3A policy at any age and with a number of different providers. However, Crédit Agricole next bank has a number of differentiating advantages.
An interest rate of 1.40%**.
Our bank offers one of the best interest rates for your Pillar 3A.
Expert advice
Our advisors advise you, from reviewing your situation right through to opening your 3rd pillar.
Your 3rd pillar in 3 steps!
1
Fill in the form to be called back by an advisor
2
Review your situation together
3
Open your 3rd pillar
The 3rd pillar, a major asset for your future quality of life
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 Pillar 3A and Pillar 3B:
Pillar 3A
It can be withdrawn no earlier than 5 years before retirement, or earlier in certain specific cases, notably:
- purchase of a main residence
- a change in career direction (becoming self-employed or changing self-employment field)
- definitive departure from Switzerland
- any other event provided for by law
Pillar 3B
It may be withdrawn at any time and unconditionally.
Need more information?
What are the tax advantages?
The tax advantage you can benefit from depends on a number of criteria: the amount of your Pillar 3A 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 Pillar 3A are deductible from your taxable income, up to a certain limit**.
In 2024, the ceilings for Pillar 3A are defined as follows:
As an employee
You can contribute up to CHF 7,056 and deduct it from your income.
As a self-employed person
You can deduct up to CHF 35,280 (up to 20% of your net annual income).
A few examples
Example 1
- Single person without children
- Resident in the canton of Geneva
- With an annual taxable income of CHF 60,000
By paying CHF 3,600 into their 3rd pillar A, the estimated tax saving is :
CHF 1,058.
Example 2
- Single person without children
- Resident in the canton of Zurich
- Not affiliated to a 2nd pillar (self-employed)
- With an annual taxable income of CHF 100,000
If she pays the maximum amount for 2023 into her 3rd pillar A, i.e. CHF 35,280, the estimated tax saving is :
CHF 8,757.
Example 3
- Married couple with 1 child
- Living in the canton of Fribourg
- With an annual taxable income of CHF 140,000
By each paying the maximum amount for 2023 into their 3rd pillar A, i.e. CHF 7,056, the estimated tax saving is :
CHF 4,635 for the couple.
Webinar on retirement
How much will I receive when I retire?
* From 01.11.2023. ** Depending on the canton and your tax status.