Unlike the tied pension provision (pillar 3a), the free pension provision (pillar 3b) is an unrestricted savings plan for everyone. It is therefore not compulsory to be an employee. In addition, you have the freedom to pay in the amount you want and withdraw it at any time, without any limits imposed. You can finance the purchase of a vehicle, a property or any other project that is close to your heart. However, the tax advantages are not as attractive as for the pillar 3a and only the cantons of Geneva and Fribourg allow partial deduction of contributions from taxable income. We have selected the best offers in this comparative table to help you make the best choice for your finances.
|2||Saving and investing 3b||axa.ch|
|4||3rd pillars B||ca-nextbank.ch|
|8||3rd pillar 3b||swisscanto.com|
|10||Retirement savings 3b||zurich.ch|