Pillar 3a – tied pension provision
You change over the course of your life, and so do your needs. CONVITA – our modular pillar 3a tied pension provision solution – accompanies you throughout your journey and can be adapted flexibly to new phases of life at any time.
Pillar 3a and pillar 3b
In pillar 3, you can choose between flexible 3b and tied 3a schemes.
Pillar 3b is a flexible form of pension provision in which you decide yourself how much to pay in and whether the money should be invested in real estate, shares, etc. The disadvantage, however, is that your deposits are not always tax-deductible.
The state-supported pillar 3a is particularly interesting because it enables you to deduct up to CHF 7,056 (from 2023) from your taxable income (self-employed people can actually deduct up to CHF 35,280 from 2023). If savings capital is accumulated in pillar 3a, it can be drawn without special reasons at the earliest five years before the standard AHV/AVS/OASI retirement age. You can withdraw it early in exceptional cases, as defined by law, such as to buy a house in which you will then live.
As part of pillar 3a, we can offer you our CONVITA pension provision solution. You can take out CONVITAsave and CONVITArisk policies separately or in combination. You decide flexibly at any time which modules are important for you.