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Herozone",[],{"name":146,"type":19,"value":1637,"linkedItems":1639},[1638,152],"mentions_legales___contenu",[1640,324],{"elements":1641,"system":1651},{"content":1642,"parallax_elements":1648},{"images":1643,"linkedItemCodenames":1644,"linkedItems":1645,"links":1646,"name":205,"type":122,"value":1647},[],[],[],[],"\u003Ch4>\u003Cstrong>Terms and Conditions of Use of the \"Pilla\" Application \u003Cbr>\u003C/strong>\u003C/h4>\n\u003Ch5>1. Presentation and purpose of the Application \u003C/h5>\n\u003Cp>Crédit Agricole next bank (Suisse) SA (hereinafter \"CAnb\") operates the mobile application \"Pilla\" (hereinafter the \"Application\"). \u003C/p>\n\u003Cp>The purpose of the Application is to enable users to conclude contracts with selected partner(s) (hereinafter the \"Partners\") in the area of pension funds. The services provided by the Partners are governed exclusively by the contractual terms and conditions, including any general terms and conditions of sale, of the Partner concerned, which you can access via this Application. \u003C/p>\n\u003Cp>By using the Application, users acknowledge that they have read these terms and conditions of use and undertake to comply with them. \u003Cbr>\u003Cbr>\u003C/p>\n\u003Ch5>2. Target audience \u003C/h5>\n\u003Cp>The use of the Application and the conclusion of contracts with Partners by means of the Application (hereinafter \"Use of the Application\") is reserved exclusively for natural persons.  \u003C/p>\n\u003Cp>In particular, the following are excluded from Use of the Application: natural and legal persons who (i) are subject to a sanction imposed by Switzerland, the European Union, the United Kingdom or the United States; or who (ii) are in a position of direct or indirect economic ownership vis-à-vis a legal person subject to such a sanction; or who (iii) are organised or domiciled in a jurisdiction, country or region subject to a national or regional sanction imposed by Switzerland, the European Union, the United Kingdom or the United States. Use of the Application is limited to personal purposes only. By downloading, installing and/or using the Application, you confirm that you comply with these requirements at all times. \u003Cbr>\u003Cbr>\u003C/p>\n\u003Ch5>3. Restrictions on use\u003C/h5>\n\u003Cp>You undertake to use the Application lawfully at all times. In particular, you are prohibited from: \u003C/p>\n\u003Cp>using the Application for illegal purposes or in any way contrary to these terms and conditions of use, or acting in a fraudulent or malicious manner, for example through \"hacking\" activities or adding malicious code (including viruses or corrupted data) to the Application; \u003C/p>\n\u003Cp>- using the Application in any way that could damage, disable, overburden, impair or interfere with our systems or their security or interfere with or adversely affect third-party users; \u003C/p>\n\u003Cp>- collecting or entering information or data on the Application or our systems and attempting to decrypt transfers to or from systems operating the Application; \u003C/p>\n\u003Cp>- using the Application to disseminate slanderous, racist, discriminatory, illegal, obscene or inappropriate information; \u003C/p>\n\u003Cp>- copying or modifying the Application or decompiling the Application code, except where provided for by law; \u003C/p>\n\u003Cp>- using the Application to transfer funds of which you are not the beneficial owner. \u003Cbr>\u003Cbr>\u003C/p>\n\u003Cp>4. Application fonctions\u003Cbr>\u003Cbr>\u003Cstrong>5.1 Technical requirements  \u003C/strong>\u003C/p>\n\u003Cp>You technically access the Application via your terminal. You choose the access service provider (e.g. Internet service provider or telecommunications service provider). The term \"terminal\" refers to both the hardware used to access the Application (including mobile devices such as smartphones) and the operating software. Your terminal must always comply with the latest security requirements (see also \"Your duty of diligence\", section 6.2). \u003Cbr>\u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>5.2 Registration \u003C/strong>\u003C/p>\n\u003Cp>Registration for the Application is reserved exclusively for persons exercising their civil rights (i.e. persons of adult age who are capable of discernment) and whose legal capacity is not restricted by any measure taken by the adult protection authority. Registration is not open to persons exercising their civil rights who have been deprived of access to their assets under a guardianship arrangement. \u003C/p>\n\u003Cp>The first time you make Use of the Application, you will be asked to create an account and provide the necessary customer details. The data required for registration must be complete and truthful. For security reasons, the mobile phone number and email address can be verified by a confirmation request. You are responsible for keeping your data up to date. \u003C/p>\n\u003Cp>Registration is free. It is not equivalent to a right to Use of the Application. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>5.3 Authentication \u003C/strong>\u003C/p>\n\u003Cp>You acknowledge, without reservation, that all instructions and notifications sent to CAnb using valid means of authentication are considered to have been sent and authorised by you. Authentication for the Application is carried out using an identifier (your email address) and a password created at the time of registration. Where technically possible, you may decide to use fingerprint or facial recognition as the usual form of identification instead of a password. As far as the Partners are concerned, you unreservedly acknowledge that all instructions, notifications and mandates sent to the Partners using the aforementioned valid means of authentication are considered to have been sent and authorised by you. \u003Cbr>\u003Cbr>\u003Cstrong>\u003Cbr>5.4 Subscribing to Partner services \u003C/strong>\u003C/p>\n\u003Cp>CAnb's \"Pilla\" Application is a platform that enables users to conclude contracts with selected Partners in the pension funds sector. CAnb does not act as a provider of pension fund services.  \u003C/p>\n\u003Cp>The information contained in the Application in no way represents an offer or recommendation by CAnb to buy or sell financial instruments or to enter into contracts for financial or other services (e.g. opening a bank account), nor does it constitute an invitation to make a corresponding offer. Similarly, a user's request for information when creating an account in no way represents a form of recommendation, advice or any other financial service. \u003C/p>\n\u003Cp>Making a decision to enter into a contract for a service provided by a Partner is your own responsibility. Information on pension benefits that appears in this Application and mentions the name of one of our Partners comes from that Partner and not from CAnb. The Partner concerned is responsible for that information. You acknowledge the exclusive responsibility of the Partners concerned for complying with the legal and contractual provisions applicable to the purchase offer and the provision of services in the area of pension funds, as well as for any processing of your personal data carried out on their own behalf. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>5.5 Push notifications \u003C/strong>\u003C/p>\n\u003Cp>CAnb has created a push notification service for information relating to the Application (hereinafter \"Push Notifications\"), which forms an integral part of the Application. If Push Notifications are activated on your terminal, you may receive various types of information in the form of messages sent directly to your terminal, e.g. notifications about services provided by Partners. \u003C/p>\n\u003Cp>You must activate Push Notifications on your device yourself. Activation and deactivation are done directly via your terminal's operating system. CAnb does not in any way guarantee that Push Notifications will operate correctly, particularly as regards their reception or transfer speed. CAnb declines all responsibility in the event of Push Notifications not being sent or received. \u003C/p>\n\u003Cp>You understand and acknowledge that Push Notifications and their content remain visible when the Application is not open, that they run in the background and that they may also run when your terminal is locked. You therefore understand and accept that third parties that have access to your terminal may also have access to the content of Push Notifications. \u003C/p>\n\u003Cp>For security and confidentiality reasons, we advise against using the Application and activating Push Notifications on third-party mobile devices. \u003Cbr>\u003C/p>\n\u003Cp>\u003Cstrong>5.6 Validity and termination \u003C/strong>\u003C/p>\n\u003Cp>Access to the Application is guaranteed as long as you hold a contract for a service provided by a Partner.  \u003Cbr>If you do not subscribe to a service, your account will be deleted no later than one (1) month after its creation date. If you terminate all of your contracts relating to a service provided by a Partner, your account will be deleted no later than one (1) year after the closing date.  \u003Cbr>\u003Cbr>\u003C/p>\n\u003Ch5>6. Your duty of diligence \u003C/h5>\n\u003Cp>\u003Cstrong>6.1 Regarding authentication methods \u003C/strong>\u003C/p>\n\u003Cp>You must change the password you have chosen regularly. The password must not contain any easily identifiable combinations (e.g. telephone numbers, dates of birth, registration plates). \u003C/p>\n\u003Cp>You must keep your password and other means of authentication secret and protect them from any misuse by unauthorised persons. In particular, your password must not be kept unprotected. Your means of authentication must not be passed on to third parties or made accessible in any other way. Requests to disclose your password that appear to come from CAnb (e.g. email requests or emails containing links to login pages, commonly known as phishing emails) must be ignored. \u003C/p>\n\u003Cp>You must log out once you have stopped using the Application. \u003C/p>\n\u003Cp>If you are concerned that unauthorised third parties may have obtained your password, you should change it immediately. If this is not possible, you should inform the Service Centre immediately (see section 7 below). \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>6.2 Regarding the terminal \u003C/strong>\u003C/p>\n\u003Cp>There is a constant risk that third parties may obtain access to your personal data without your knowledge while you are using the Internet or mobile services and that viruses may spread to your terminal during your Use of the Application. Using current antivirus software can reduce this risk and is recommended. To minimise the risk of unauthorised access to your terminal, you should also take the usual security precautions. We recommend that you create a password for access to your terminal and that you do not use public Wi-Fi access. \u003C/p>\n\u003Cp>You undertake to keep your terminal's operating software up to date, to install all recommended software and security updates without delay and to always use the most up-to-date version of the Application. \u003C/p>\n\u003Cp>If you are concerned that unauthorised persons may have gained access to your terminal, you should inform the Service Centre immediately (see section 8 below). \u003Cbr>\u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>6.3 Breaches of duty of diligence \u003C/strong>\u003C/p>\n\u003Cp>You acknowledge that you are fully and exclusively liable for any loss resulting from a breach of your duty of diligence. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>6.4 Consequences of non-compliance with the terms and conditions of use \u003C/strong>\u003C/p>\n\u003Cp>We may terminate your rights to Use of the Application at any time if you breach these terms and conditions of use. \u003C/p>\n\u003Cp>If we terminate your rights to Use of the Application, you must permanently delete the Application from all devices in your possession, and we are entitled to refuse you access to services via the Application. \u003C/p>\n\u003Cp>You agree to hold CAnb harmless of any liability and indemnify CAnb from any loss, cost, damage or expense resulting from your Use of the Application in a manner that does not comply with these terms and conditions of use.  \u003Cbr>\u003Cbr>\u003Cbr>\u003C/p>\n\u003Ch5>7. Application availability \u003C/h5>\n\u003Cp>\u003Cstrong>7.1 Availability of services and information on the Application \u003C/strong>\u003C/p>\n\u003Cp>CAnb takes all reasonable measures to ensure that, apart from regular and irregular maintenance periods, you can access the Application at any time and, consequently, the information it contains and the associated services. However, CAnb cannot guarantee access to the Application at all times. Access to the Application may be impossible or disrupted temporarily or for a prolonged period due to technical problems within your area of responsibility or within the area of responsibility of the operator, electricity services or even CAnb. \u003C/p>\n\u003Cp>CAnb also reserves the right to interrupt access to the Application and, consequently, to the information it contains and the associated services in the event of special circumstances (particularly in the event of malfunction, security risks or maintenance work). \u003C/p>\n\u003Cp>CAnb may modify certain functions of the Application (temporarily or permanently), which is why you may not be able to access all services at all times. You may not be able to use the Application (in its entirety or only certain functions) due to the operating system or model of your mobile device. \u003C/p>\n\u003Cp>CAnb cannot be held responsible for this type of disruption or interruption. \u003C/p>\n\u003Cp> \u003C/p>\n\u003Cp>\u003Cstrong>7.2 Changes to the Application \u003C/strong>\u003C/p>\n\u003Cp>We reserve the right to update the Application automatically from time to time in order to improve its performance, optimise its functionality, take account of changes to the operating system or resolve security problems. We may also ask you to update the Application for the aforementioned reasons. \u003C/p>\n\u003Cp>If you decide not to install these updates or if you refuse the automatic updates, you may no longer be able to use the Application and services. \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>8. Support\u003C/h5>\n\u003Cp>Our Service Centre is available to answer any questions you may have via use of the contact form. \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>9 . Application rights \u003C/h5>\n\u003Cp>You are entitled to use the Application in accordance with these terms and conditions of use. Your right of use is limited to personal use; it is neither exclusive nor transferable, and we may revoke it at any time. Any other use, particularly the duplication, modification, copying, distribution and sale of the Application, is prohibited. The use of services made available by Partners in the Application is excluded from the concept of Use of the Application. \u003C/p>\n\u003Cp>With the exception of the right of use granted above, all rights (including all intellectual property rights) to the Application belong to CAnb and/or third parties appointed by CAnb (\"Right Holders\"). The rights of Right Holders to use the Application remain exclusively reserved. \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>10. Third-party content \u003C/h5>\n\u003Cp>The Application also contains content (e.g. general terms and conditions of sale) from Partners. You acknowledge that CAnb has not verified this content and accepts no responsibility for it. In this context, please also bear in mind the limitation of liability (see section 12). \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>11 . Outsourcing \u003C/h5>\n\u003Cp>In order to provide the Application, CAnb uses the services of third parties located in Switzerland and abroad, particularly for hosting. Subject to the disclaimer (see section 12), these outsourced activities remain under the responsibility and control of CAnb.  \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>12. Limitation of liability and warranty \u003C/h5>\n\u003Cp>In the scope of Use of the Application, CAnb is liable only for damage caused to you intentionally or through negligence on the part of CAnb or its employees. You acknowledge that all other liability on the part of CAnb is excluded. \u003C/p>\n\u003Cp>You acknowledge that CAnb is under no obligation whatsoever with regard to the services provided by the Partners and that responsibility for these services lies solely with the Partners. Consequently, CAnb accepts no liability for services obtained via the Application. Furthermore, CAnb accepts no liability for the content of websites linked to the Application, nor for the content, documents and other information from Partners that is posted online or that can be viewed in the Application. \u003C/p>\n\u003Cp>You are responsible for technical access to the Application, particularly the operators and the hardware and software you use. In particular, you acknowledge that CAnb is not responsible for operators and excludes all liability for damage that you may suffer as a result of transfer errors, technical faults, malfunctions, unlawful intrusion into telecommunications systems and networks, network overload, deliberate blocking of electronic access by third parties, interruptions or other transmission errors. \u003C/p>\n\u003Cp>Although we make every effort to ensure that the Application remains up to date and free of programming errors, we are unable to guarantee this. \u003C/p>\n\u003Cp>CAnb accepts no liability for the operation and availability of the Application and access to services. You release CAnb from all liability that may arise from the use or inability to use the Application or to access the services. \u003C/p>\n\u003Cp>CAnb also excludes liability for any loss or damage you may suffer as a result of using the Application, including any loss or damage arising from the acts or omissions of third parties. \u003C/p>\n\u003Cp>Within the limits of the law, CAnb declines all responsibility for indirect damage, loss of earnings and loss of data.  \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>13. Data protection \u003C/h5>\n\u003Cp>The Application's Data Protection Policy is available here: \u003Ca href=\"https://www.pilla.swiss/en/privacy-policy\">https://www.pilla.swiss/en/privacy-policy\u003C/a>. It constitutes an integral part of these terms and conditions of use.  \u003C/p>\n\u003Cp>In particular, CAnb may transmit your data collected in the scope of the Use of the Application to Partners. The use of data transmitted in this way, and the collection and use of data by Partners using the Application, are governed solely by the Partners' respective confidentiality policies.  \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Ch5>14. Intellectual Property \u003C/h5>\n\u003Cp>You are granted a non-transferable and non-exclusive right to use the Application. These terms and conditions govern the content and scope of this right. CAnb retains all intellectual property rights. If you violate these rights, you shall be required to compensate CAnb for any damages. \u003C/p>\n\u003Cp>\u003Cbr>\u003C/p>\n\u003Cp>15. Final provisions \u003Cbr>\u003Cbr>\u003Cstrong>15.1 Amendment of terms and conditions of use \u003C/strong>\u003C/p>\n\u003Cp>CAnb reserves the right to amend these conditions of use at any time. Amendments are communicated in an appropriate form. Amendments always come into force as soon as they are placed online. If you do not accept them, you will not be able to continue using the Application. In all cases, amendments are deemed to have been accepted if you continue to use the Application after they have come into force.  \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>15.2 Relationship with additional provisions \u003C/strong>\u003C/p>\n\u003Cp>Certain areas of the Application may contain additional provisions, conditions, information, instructions, etc. (\"Additional Provisions\"). In the event of any contradiction between these terms and conditions of use and any Additional Provisions concerning Use of the Application, these terms and conditions of use shall prevail. \u003C/p>\n\u003Cp>To avoid any misunderstanding, the legal relationships between you and the Partners are not governed by these terms and conditions of use; they are governed exclusively by the Partners' general terms and conditions and other contractual provisions. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>15.3 Force majeure \u003C/strong>\u003C/p>\n\u003Cp>CAnb shall not be liable for any delay or failure in the performance of its obligations under these terms and conditions of use for reasons beyond its control, such as natural disasters, war, strikes, power failures, Internet failures, viral epidemics or similar events. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>15.4 Severability clause \u003C/strong>\u003C/p>\n\u003Cp>If parts or individual provisions of these terms and conditions of use are found to be inapplicable or invalid and/or to contravene legal regulations, this shall not affect the validity or applicability of the remaining provisions. The invalid or inapplicable provision shall be replaced by a valid and applicable provision that comes as close as possible to the economic intention binding you to CAnb and that was the subject of the invalid or inapplicable provision. \u003Cbr>\u003Cbr>\u003Cbr>\u003Cbr>\u003Cstrong>15.5 Applicable law and jurisdiction \u003C/strong>\u003C/p>\n\u003Cp>The legal relationship between you and CAnb in connection with the Use of the Application shall be governed by Swiss substantive law, to the exclusion of provisions regarding conflict of laws. The place of jurisdiction for disputes between you and CAnb in connection with Use of the Application is Geneva. \u003C/p>",{"name":229,"type":19,"value":1649,"linkedItems":1650},[],[],{"codename":1638,"collection":42,"id":1652,"language":44,"lastModified":1653,"name":1654,"sitemapLocations":1655,"type":1241,"workflowStep":49},"2b173b05-c2d1-5a89-a0d2-391c196cdcf5","2025-08-28T10:39:06.0343312Z","Mentions légales - Contenu",[],{"name":364,"type":365,"value":1657,"taxonomyGroup":370},[1658],{"name":1659,"codename":1660},"Legal","legal",{"name":92,"type":27,"value":1662},"Pilla - Legal notice | App terms of use",{"name":374,"type":27,"value":1664},"Check out the legal notice of your pension app!",{"name":377,"type":27,"value":65},{"name":379,"type":27,"value":65},{"name":381,"type":31,"value":1668},[1669],{"name":384,"codename":385},{"name":387,"type":27,"value":65},{"name":389,"type":8,"value":1672},[],{"name":392,"type":27,"value":65},{"name":394,"type":19,"value":1675,"linkedItems":1676},[],[],{"codename":1605,"collection":42,"id":1678,"language":44,"lastModified":1679,"name":1680,"sitemapLocations":1681,"type":440,"workflowStep":49},"6abb3905-cb63-5f79-afa5-584fe4eb6e3e","2025-09-23T07:08:00.4131607Z","Mentions légales",[],{"name":538,"type":27,"value":65},{"codename":1597,"collection":42,"id":1684,"language":44,"lastModified":1685,"name":1686,"sitemapLocations":1687,"type":544,"workflowStep":49},"c80b00d0-5b8f-57a7-8bf2-09bf6d38d3fc","2025-08-28T10:39:05.3581692Z","Menu Item - Mentions légales",[],{"name":1689,"type":19,"value":1690,"linkedItems":1692},"Data Protection",[1691],"menu_item___protection_des_donnees_personnelles",[1693],{"elements":1694,"system":1775},{"title":1695,"linked_page":1697,"anchor":1774},{"name":92,"type":27,"value":1696},"Protection of personal data",{"name":534,"type":19,"value":1698,"linkedItems":1700},[1699],"protection_des_donnees_personnelles_69fc71b",[1701],{"elements":1702,"system":1769},{"urlslug":1703,"url":1705,"hero":1706,"content_blocks":1730,"sitemap":1750,"seo__title":1753,"seo__meta_description":1755,"seo__meta_keywords":1757,"seo__url_canonical":1758,"seo__robots_tags":1759,"seo__og_title":1762,"seo__og_image":1763,"seo__og_description":1765,"subpages":1766},{"name":102,"type":103,"value":1704},"privacy-policy",{"name":106,"type":27,"value":1704},{"name":108,"type":19,"value":1707,"linkedItems":1709},[1708],"untitled_content_item_05bde2d",[1710],{"elements":1711,"system":1725},{"title":1712,"content":1714,"media":1719,"cta":1722},{"name":92,"type":27,"value":1713},"Data Protection Policy for the \"Pilla\" Internet and Mobile Application ",{"images":1715,"linkedItemCodenames":1716,"linkedItems":1717,"links":1718,"name":121,"type":122,"value":1624},[],[],[],[],{"name":125,"type":8,"value":1720},[1721],{"name":1013,"description":1014,"type":13,"size":1015,"url":1016,"renditions":16},{"name":136,"type":19,"value":1723,"linkedItems":1724},[],[],{"codename":1708,"collection":42,"id":1726,"language":44,"lastModified":1727,"name":1728,"sitemapLocations":1729,"type":144,"workflowStep":49},"619bb92a-6494-526e-bd6d-4e3e2b1ca5ed","2025-09-15T12:25:12.8746841Z","Politique de protection des données",[],{"name":146,"type":19,"value":1731,"linkedItems":1733},[1732,152],"untitled_content_item_f48fc69",[1734,324],{"elements":1735,"system":1745},{"content":1736,"parallax_elements":1742},{"images":1737,"linkedItemCodenames":1738,"linkedItems":1739,"links":1740,"name":205,"type":122,"value":1741},[],[],[],[],"\u003Ch5>1. Preamble\u003C/h5>\n\u003Cp>The trademark \"Pilla\" is owned by Crédit Agricole next bank (Suisse) SA (hereinafter \"CAnb\", the \"Bank\" or \"we\"), which operates the Internet and mobile application \"Pilla\" (hereinafter the \"Application\").\u003C/p>\n\u003Cp>The purpose of this Data Protection Policy (hereinafter the \"Policy\" or this \"Document\") is to provide users (hereinafter referred to as \"you\") with clear and detailed information about the way in which we process and store your personal data and your rights in relation to such processing.\u003Cbr>\u003C/p>\n\u003Ch5>2. Data Controller\u003C/h5>\n\u003Cp>In accordance with the data protection regulations in force, Crédit Agricole next bank (Suisse) SA is the \"Data Controller\". We define the nature of the data to be collected, the purposes for which it is to be used and how long it is to be kept, except in cases where it is expressly stated on the data collection medium that the Data Controller is a third party.\u003C/p>\n\u003Cp>Within the scope of the \"Pilla\" Application, CAnb collaborates with the selected partners mentioned below (the \"Partners\"). \u003Cstrong>When you subscribe to offers and services from one of our Partners (e.g. Liberty), this Partner acts as an independent Data Controller and will inform you of the characteristics of the processing operations it carries out under its sole responsibility\u003C/strong>.\u003C/p>\n\u003Ch5>\u003Cbr>3. Who is this Data Protection Policy intended for?\u003C/h5>\n\u003Cp>This Data Protection Policy concerns you for one or more of the following reasons:\u003C/p>\n\u003Cp>- You have registered and have a user account for the Pilla Application: Your personal data is processed when you use the Application and create your \"Pilla\" account;\u003C/p>\n\u003Cp>- You used a previous version of the Application: You have given us your consent to migrate your information to \"Pilla\".\u003Cbr>\u003C/p>\n\u003Ch5>4. What data do we collect about you and for what purpose?\u003C/h5>\n\u003Cp>Personal data is any information about a natural person that can be used to identify that person. It therefore does not concern data that does not relate to an identified or identifiable person (anonymous data).\u003Cbr>\u003C/p>\n\u003Cp>\u003Cstrong>4.1. Registering and using the Application\u003C/strong>\u003C/p>\n\u003Cp>When you install the Application, we may collect, use, store, access and transfer the following categories of personal data about you:\u003C/p>\n\u003Cp>- Identity data such as first name, maiden name, family name, identification number or any other similar identifier, marital status, title, date of birth, sex, etc.;\u003C/p>\n\u003Cp>- Contact information such as home address, email address and telephone numbers, etc.;\u003C/p>\n\u003Cp>- Information on products and services purchased from Partners;\u003C/p>\n\u003Cp>- Technical data such as cookies, trackers, type of device, Application version, IP address, country of connection, day and time of connection, etc.\u003C/p>\n\u003Cp>Processing this personal data is necessary to provide you with the services available in the Application.\u003C/p>\n\u003Cp>In principle, we do not collect any information belonging to particular categories of sensitive personal data about you (race, ethnic origin, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, genetic and biometric data, information about any criminal convictions or offences, etc.).\u003Cbr>\u003C/p>\n\u003Cp>\u003Cstrong>4.2 Marketing\u003C/strong>\u003C/p>\n\u003Cp>We may contact you to inform you of our activities if you have created an account in the Application, subscribed to one of our Partners' offers and have not objected to your data being used for this purpose. You may object to the use of your data for this purpose at any time by contacting us (see the contact information in section 9). This processing activity is based on our legitimate interest in issuing certain offers and activities related to our previous interactions with you.\u003C/p>\n\u003Cp>We may carry out targeting and profiling operations on the basis of your data, particularly data relating to cookies and trackers. In accordance with your interests and your rights, the purpose of this processing is also to manage our marketing activities, develop new offers, and provide you with advice and personalised offers in order to provide you with the highest quality of service.\u003Cbr>\u003C/p>\n\u003Cp>\u003Cstrong>4.3 Offers and services from Partners\u003C/strong>\u003C/p>\n\u003Cp>When you subscribe to Partner offers and services, \u003Cstrong>the data collected and\u003C/strong> \u003Cstrong>the provisions relating to personal data are indicated by the Partner under its sole responsibility.\u003Cbr>\u003C/strong>\u003C/p>\n\u003Ch5>5. How long do we keep your personal data?\u003C/h5>\n\u003Cp>We keep and process your personal data as long as needed to achieve the intended purpose. Data will be deleted as soon as it is no longer required to provide the service:\u003C/p>\n\u003Cp>- The data collected when you register in the Application will be deleted no later than one (1) month after the date on which your account is created in the Application if you do not subscribe.\u003C/p>\n\u003Cp>- If you have subscribed to at least one offer from one of our Partners, the data collected at the time of registration in the Application will be deleted no later than one (1) year after the closing date of the last contract.\u003C/p>\n\u003Cp>- The storage period for the data you provide to Partners when subscribing to their offer will be specified by these Partners under their sole responsibility.\u003C/p>\n\u003Cp>Please note that personal data may be kept in an archive (i.e. with restricted access), taking into account our legal obligations, for a maximum period corresponding to the duration of the contractual or business relationship plus the statutory periods for limitation and exhaustion of legal remedies.\u003Cbr>\u003C/p>\n\u003Ch5>6. To whom do we disclose your personal data?\u003C/h5>\n\u003Cp>In the course of Application usage, we may communicate your personal data to the following categories of recipients:\u003C/p>\n\u003Cp>- selected Partners when you subscribe to their offers and services, for example in the area of pension funds;\u003C/p>\n\u003Cp>- our sub-contractors, who process your personal data on our behalf and in accordance with our instructions and who may not use this data for any purpose other than performing the sub-contracted operations.\u003C/p>\n\u003Cp>- authorities: we may disclose personal data to government authorities, courts and other regulatory authorities or agencies in Switzerland or abroad if we are legally required or permitted to, or if it is deemed necessary to protect our interests.\u003Cbr>\u003C/p>\n\u003Ch5>7. How do we handle your personal data if it is transferred outside of Switzerland?\u003C/h5>\n\u003Cp>We take great care to ensure that your personal data is processed and stored in Switzerland or in a country whose data protection legislation is recognised as \"adequate\" by the Swiss Federal Data Protection and Information Commissioner.\u003C/p>\n\u003Cp>Within the scope of the \"Pilla\" Application, data may be transferred outside of Switzerland. This is particularly the case when we use service providers for the following services:\u003C/p>\n\u003Cp>- Hosting of the Application data, taken care of by cloud service providers in Switzerland.\u003C/p>\n\u003Cp>Some of these service providers are headquartered in the United States and are Swiss-US Data Privacy Framework certified (new data protection framework guaranteeing the security of personal data exchanges between Switzerland and certified US companies).\u003Cbr>\u003C/p>\n\u003Ch5>8. What are your rights, and how can you exercise them?\u003C/h5>\n\u003Cp>You may do the following at any time in accordance with the conditions laid down in the Federal Data Protection Act:\u003C/p>\n\u003Cp>- access your personal data: you can obtain information about the processing and disclosure of your personal data;\u003C/p>\n\u003Cp>- have it rectified: you can request the rectification of your personal data if it is inaccurate or incomplete;\u003C/p>\n\u003Cp>- object to its processing on grounds relating to your particular situation, where the legal basis for the processing is the legitimate interest of the Bank or third parties (unless the Bank can prove the existence of legitimate and compelling grounds for such processing which take precedence over your interests, rights and freedoms, or for the establishment, exercise or defence of legal claims) – at any time and without justification, to its processing for purposes of commercial prospecting;\u003C/p>\n\u003Cp>- request its deletion: you can request the deletion of your personal data, particularly when it is no longer necessary for the purposes for which it was collected, with the notable exception of processing required for compliance with a legal obligation or for the establishment, exercise or defence of legal claims;\u003C/p>\n\u003Cp>- request the restriction of its processing: you can request the suspension or restriction of the processing of your data;\u003C/p>\n\u003Cp>- request its portability: when the processing is automated and is based on consent or the performance of the contract or pre-contractual measures, you may request the return of the personal data that you have provided to us and/or its transfer to a third party;\u003C/p>\n\u003Cp>- Lastly, you can, when the legal basis for the processing is consent, withdraw your consent for the future and thus put an end to the processing of your data, it being specified that the withdrawal of consent does not call into question the lawfulness of the processing carried out until then.\u003C/p>\n\u003Cp>Please note that exercising some of these rights may prevent the Bank from providing certain products or services.\u003C/p>\n\u003Cp>If you wish to exercise any of your rights, you may write to the address mentioned in the section \"Your contact points\", indicating the right(s) you wish to exercise as well as all elements enabling your identification (identity document, contract number, etc.).\u003Cbr>\u003C/p>\n\u003Ch5>9. Your contact points\u003C/h5>\n\u003Cp>If you have any questions or complaints, or if you wish to exercise the rights mentioned above, you can contact:\u003C/p>\n\u003Cp>- By post: Crédit Agricole next bank (Suisse) SA – Service Marketing Relation Client – Esplanade de Pont Rouge 4-6 – CP 1250, 1211 Geneva 26\u003C/p>\n\u003Cp>The Bank has appointed a Data Protection Officer (DPO), whom you can contact at the following addresses: Crédit Agricole next bank (Suisse) SA – Data Protection Officer – Esplanade de Pont Rouge 4-6 - CP 1250, 1211 Geneva 26 or by email: \u003Ca href=\"http://mailto:dpo@ca-nextbank.ch\">dpo@ca-nextbank.ch\u003C/a>.\u003C/p>\n\u003Cp>A representative of the Bank has been appointed for data protection within the EU and can be contacted as follows: CADS (CAnb Representative) – 1 220 avenue Costa de Beauregard – 73 290 La Motte Servolex or by email: \u003Ca href=\"http://mailto:representantcanb@ca-des-savoie.fr\">representantcanb@ca-des-savoie.fr\u003C/a>\u003C/p>\n\u003Cp>In the event of a dispute, you may file a complaint with the competent data protection authority.\u003C/p>",{"name":229,"type":19,"value":1743,"linkedItems":1744},[],[],{"codename":1732,"collection":42,"id":1746,"language":44,"lastModified":1747,"name":1748,"sitemapLocations":1749,"type":1241,"workflowStep":49},"331591f5-c536-5740-a132-0ff8143c010b","2025-08-28T10:39:06.8787947Z","Protection des données",[],{"name":364,"type":365,"value":1751,"taxonomyGroup":370},[1752],{"name":1659,"codename":1660},{"name":92,"type":27,"value":1754},"Pilla - Privacy policy",{"name":374,"type":27,"value":1756},"We care a lot about protecting your personal data!",{"name":377,"type":27,"value":65},{"name":379,"type":27,"value":65},{"name":381,"type":31,"value":1760},[1761],{"name":384,"codename":385},{"name":387,"type":27,"value":65},{"name":389,"type":8,"value":1764},[],{"name":392,"type":27,"value":65},{"name":394,"type":19,"value":1767,"linkedItems":1768},[],[],{"codename":1699,"collection":42,"id":1770,"language":44,"lastModified":1771,"name":1772,"sitemapLocations":1773,"type":440,"workflowStep":49},"9522eed8-4b20-529c-9166-c4c447259f61","2025-09-23T07:08:35.3871681Z","Protection des données personnelles",[],{"name":538,"type":27,"value":65},{"codename":1691,"collection":42,"id":1776,"language":44,"lastModified":1777,"name":1778,"sitemapLocations":1779,"type":544,"workflowStep":49},"08500238-a0e0-5fc5-a219-70d1b55d2cf8","2025-08-28T10:39:06.2533842Z","Menu Item - Protection des données personnelles",[],{"name":1781,"type":19,"value":1782,"linkedItems":1784},"Cookies policy",[1783],"menu_item___conditions_d_utilisation",[1785],{"elements":1786,"system":1866},{"title":1787,"linked_page":1789,"anchor":1865},{"name":92,"type":27,"value":1788},"Cookie policy",{"name":534,"type":19,"value":1790,"linkedItems":1792},[1791],"politiques_des_cookies",[1793],{"elements":1794,"system":1860},{"urlslug":1795,"url":1797,"hero":1798,"content_blocks":1821,"sitemap":1841,"seo__title":1844,"seo__meta_description":1846,"seo__meta_keywords":1848,"seo__url_canonical":1849,"seo__robots_tags":1850,"seo__og_title":1853,"seo__og_image":1854,"seo__og_description":1856,"subpages":1857},{"name":102,"type":103,"value":1796},"cookie-policy",{"name":106,"type":27,"value":1796},{"name":108,"type":19,"value":1799,"linkedItems":1801},[1800],"untitled_content_item_72714ca",[1802],{"elements":1803,"system":1816},{"title":1804,"content":1805,"media":1810,"cta":1813},{"name":92,"type":27,"value":1788},{"images":1806,"linkedItemCodenames":1807,"linkedItems":1808,"links":1809,"name":121,"type":122,"value":1624},[],[],[],[],{"name":125,"type":8,"value":1811},[1812],{"name":1013,"description":1014,"type":13,"size":1015,"url":1016,"renditions":16},{"name":136,"type":19,"value":1814,"linkedItems":1815},[],[],{"codename":1800,"collection":42,"id":1817,"language":44,"lastModified":1818,"name":1819,"sitemapLocations":1820,"type":144,"workflowStep":49},"68baebae-2ed7-5236-900a-47cbc26decaf","2025-09-11T15:25:06.813666Z","Hero - Politique de cookies",[],{"name":146,"type":19,"value":1822,"linkedItems":1824},[1823,152],"untitled_content_item_56777e4",[1825,324],{"elements":1826,"system":1836},{"content":1827,"parallax_elements":1833},{"images":1828,"linkedItemCodenames":1829,"linkedItems":1830,"links":1831,"name":205,"type":122,"value":1832},[],[],[],[],"\u003Cp>The Pilla web and mobile app (hereinafter “the app”) uses cookies. When you use the app, cookies are placed on your computer, tablet or smartphone. The information below will give you a better understanding of how cookies work and how to use the current tools to configure them.\u003C/p>\n\u003Cp>Cookies and trackers are considered to be personal data within the meaning of current data protection regulations. You can access detailed information about how Crédit Agricole next bank (Suisse) SA processes your personal data by consulting our Personal Data Protection Policy. This includes information about processing purposes, legal bases, retention periods, recipients, and where applicable, data transfers outside Switzerland and the safeguards we implement. \u003Ca href=\"https://www.pilla.swiss/en/privacy-policy\">Link to the Pilla data privacy policy\u003C/a>.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Ch5>What is a cookie?\u003C/h5>\n\u003Cp>Cookies are small files (text, image, or software) containing information that gets saved to your device (computer, tablet, smartphone, or any internet-capable device) whenever you visit websites with your browser. They are transmitted by the server of an internet app to your browser. The cookie file records the pages you visit, the advertisements you click on and the type of browser you use, and enables the sender to identify your device for the duration of the cookie’s validity or storage period.\u003C/p>\n\u003Cp>If your device is used by multiple people or has several browsers installed, we cannot guarantee that the services and advertisements displayed on your device will match your individual usage rather than that of other users.\u003Cbr>\n\u003C/p>\n\u003Ch5>\u003Cbr>\nWhich cookies are used in our app and what are their purposes?\u003C/h5>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Type of cookies\u003C/strong>\u003C/td>\u003Ctd>\u003Cstrong>Cookie ID and purposes \u003C/strong>\u003C/td>\u003Ctd>\u003Cstrong>Retention period \u003C/strong>\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Technical requirements\u003C/strong>\u003C/td>\u003Ctd>Commanders Act: remembers your preferences for optional cookies across your browsing experience \u003C/td>\u003Ctd>6 months\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Statistics\u003C/strong>\u003C/td>\u003Ctd>\u003Cp>• At Internet is used to collect statistical or anonymous information about how users navigate the web app.\u003C/p>\n\u003Cp>• Adjust collects information about the actions taken by users when browsing the app.\u003C/p>\n\u003C/td>\u003Ctd>13 months\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Features\u003C/strong>\u003C/td>\u003Ctd>These cookies are not essential for browsing the app, but are used to optimise its performance. Example: choice of languages\u003C/td>\u003Ctd>6 months\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Social media\u003C/strong>\u003C/td>\u003Ctd>These cookies enable you to share content from our app on social media. These cookies are placed by third parties (social media operators). \u003C/td>\u003Ctd>Duration of a session\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Personalised advertising\u003C/strong>\u003C/td>\u003Ctd>Placed by advertising agencies, these cookies enable us to display targeted advertising based on your interests when you browse this app. They enhance advertising campaigns by showing you relevant content based on your interests when using the Crédit Agricole app. These cookies are also used to limit the number of proposals sent to you and to help measure the effectiveness of a commercial campaign.\u003C/td>\u003Ctd>13 months\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Ch5>Why do we use cookies?\u003C/h5>\n\u003Cp>\u003Cstrong>Technical cookies\u003C/strong>\u003C/p>\n\u003Cp>Technical cookies and trackers ensure the app runs smoothly while identifying fraudulent or repeated login attempts to protect the system from misuse.\u003C/p>\n\u003Cp>In addition, certain browsing data must legally be kept to enable us to ensure the security of our electronic communication services.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>Audience measurement cookies (statistics)\u003C/strong>\u003C/p>\n\u003Cp>These cookies allow us to gather app statistics and analyse usage patterns, helping us enhance performance and deliver higher quality services. They also help us learn more about what interests you when you use our app. We collect your IP address to identify the town you’re connecting from.\u003C/p>\n\u003Cp>Opting out of these cookies will not impact your use of the app.\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>Functionality/personalisation cookies\u003C/strong>\u003C/p>\n\u003Cp>These cookies are not essential for browsing our app, but they enhance its performance and give you access to special features. They also let you customise the presentation of the app to match your preferred display settings on your device. These cookies ensure that your browsing experience is smooth and tailored to your needs. Placing cookies on your device is the quickest and easiest way to personalise and improve your user experience. By visiting our app several times, we will be able to fine-tune our offers based on your most recent visits. These cookies are placed by Crédit Agricole next bank. They have a very short lifespan – most last only for the session duration, with a maximum of one year.\u003Cbr>\n\u003Cbr>\n\u003Cbr>\n\u003Cstrong>Social media cookies\u003C/strong>\u003C/p>\n\u003Cp>Our app features sharing links to Facebook, LinkedIn and other similar social media channels, making it easy for you to share content with other people. These features are based on services offered by third parties (Meta, X, Linkedin, etc.). 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To deliver targeted advertising on third-party apps, we allow our partner advertising agencies to install cookies. As part of these partnerships, we may share your browsing data with them; however, we do not provide any personal information about you to the third-party apps that display our advertisements.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Ch5>How to manage cookies? \u003C/h5>\n\u003Cp>Any settings you make may affect your browsing experience on the internet and how you access certain services requiring the use of cookies. You can change your cookie preferences at any time using the options available in our cookie management module:\u003C/p>\n\u003Cp>- Tick the box to authorise the cookies concerned. Or untick the box to prohibit the cookies concerned.\u003C/p>\n\u003Cp>- Manage your cookies using our consent module\u003C/p>\n\u003Cp>\u003Ca href=\"#PrivacyCenter\">Consent module\u003C/a>\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>Manage cookies from my internet browser\u003C/strong>\u003C/p>\n\u003Cp>You can adjust your browser settings to either allow cookies to be stored on your device or block them completely or selectively based on who is sending them. You can also configure your browser so that you are asked to accept or reject cookies from time to time before a cookie is stored on your device.\u003C/p>\n\u003Cp>The configuration of each browser is different. It is described in your browser’s help menu.\u003Cbr>\n\u003C/p>\n\u003Cp>- Pour Chrome™:  \u003Ca href=\"https://support.google.com/chrome/answer/95647?hl=fr&hlrm=fr\">https://support.google.com/chrome/answer/95647?hl=fr&hlrm=fr\u003C/a>\u003C/p>\n\u003Cp>- Pour Internet Explorer™: \u003Ca href=\"https://support.microsoft.com/fr-fr/help/17442/windows-internet-explorer-delete-manage-cookies\">https://support.microsoft.com/fr-fr/help/17442/windows-internet-explorer-delete-manage-cookies\u003C/a>\u003C/p>\n\u003Cp>- For Firefox™: \u003Ca href=\"http://support.mozilla.org/fr/kb/cookies-informations-l'applications-register?redirectlocale=en&redirectslug=Manage+the+cookies\">http://support.mozilla.org/fr/kb/cookies-informations-l'applications-register?redirectlocale=en&redirectslug=Manage+the+cookies\u003C/a>\u003C/p>\n\u003Cp>- For Opera™: \u003Ca href=\"http://help.opera.com/Windows/10.20/fr/cookies.html\">http://help.opera.com/Windows/10.20/fr/cookies.html\u003C/a>\u003C/p>\n\u003Cp>- For Safari™: \u003Ca href=\"https://support.apple.com/fr-fr/guide/safari/sfri11471/mac\">https://support.apple.com/fr-fr/guide/safari/sfri11471/mac\u003C/a>\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Cp>OR: \u003C/p>\n\u003Cp>\u003Cstrong>On Chrome:\u003C/strong>\u003C/p>\n\u003Cp>- Click on the icon with three vertical dots located in the browser toolbar.\u003C/p>\n\u003Cp>- Select Settings.\u003C/p>\n\u003Cp>- Click on “Advanced” to show advanced settings.\u003C/p>\n\u003Cp>- In the “Privacy and security” section, click on the “Site settings” button.\u003C/p>\n\u003Cp>- In the “Cookies” section, you can block cookies and data from third-party apps.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>On Firefox:\u003C/strong>\u003C/p>\n\u003Cp>- At the top of the Firefox window, click on the Firefox button (“Tools” menu in Windows XP), then select “Options”.\u003C/p>\n\u003Cp>- Select the “Privacy and Security” panel.\u003C/p>\n\u003Cp>- Set retention rules to “Use custom settings for history”.\u003C/p>\n\u003Cp>- Untick “Accept cookies”.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>On Safari:\u003C/strong>\u003C/p>\n\u003Cp>- Go to Settings > Preferences.\u003C/p>\n\u003Cp>- Click on the “Privacy” tab.\u003C/p>\n\u003Cp>- In the “Block cookies” area, tick the “Always” box.\u003C/p>\n\u003Cp>\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>On Internet Explorer:\u003C/strong>\u003C/p>\n\u003Cp>- Go to Tools > Internet options.\u003C/p>\n\u003Cp>- Click on the “Privacy” tab.\u003C/p>\n\u003Cp>- Click on the advanced button and tick the “Block” boxes.\u003Cbr>\n\u003Cbr>\n\u003C/p>\n\u003Cp>\u003Cstrong>On Opera:\u003C/strong>\u003C/p>\n\u003Cp>- Go to Settings > Preferences.\u003C/p>\n\u003Cp>- Click on the advanced tab.\u003C/p>\n\u003Cp>- In the “Cookies” section, tick the “Never accept cookies” box.\u003C/p>",{"name":229,"type":19,"value":1834,"linkedItems":1835},[],[],{"codename":1823,"collection":42,"id":1837,"language":44,"lastModified":1838,"name":1839,"sitemapLocations":1840,"type":1241,"workflowStep":49},"813e01fd-8982-50ef-a057-70ac26b3e919","2025-11-07T07:43:35.7496873Z","Politique de cookies -contenu",[],{"name":364,"type":365,"value":1842,"taxonomyGroup":370},[1843],{"name":1659,"codename":1660},{"name":92,"type":27,"value":1845},"Pilla - Cookie policy",{"name":374,"type":27,"value":1847},"What’s a cookie? And which ones are used on our site?",{"name":377,"type":27,"value":65},{"name":379,"type":27,"value":65},{"name":381,"type":31,"value":1851},[1852],{"name":384,"codename":385},{"name":387,"type":27,"value":65},{"name":389,"type":8,"value":1855},[],{"name":392,"type":27,"value":65},{"name":394,"type":19,"value":1858,"linkedItems":1859},[],[],{"codename":1791,"collection":42,"id":1861,"language":44,"lastModified":1862,"name":1863,"sitemapLocations":1864,"type":440,"workflowStep":49},"ffb33ad6-ac0e-5ef9-bd98-112845d6b6ab","2025-09-23T07:08:58.0951763Z","Politiques des cookies",[],{"name":538,"type":27,"value":65},{"codename":1783,"collection":42,"id":1867,"language":44,"lastModified":1868,"name":1869,"sitemapLocations":1870,"type":544,"workflowStep":49},"f2864ffc-8597-550d-933b-755ee4d34ed0","2025-08-28T10:39:07.0991249Z","Menu Item - Politiques des cookies",[],{"name":1872,"type":27,"value":1873},"Copyright text","Pilla by Crédit Agricole next bank 2025. All rights reserved.",{"name":1875,"type":19,"value":1876,"linkedItems":1878},"Return CTA",[1877],"return_to_blog_cta",[1879],{"elements":1880,"system":1890},{"text":1881,"is_download":1883,"url":1886,"variant":1888},{"name":26,"type":27,"value":1882},"Back to article list",{"name":30,"type":31,"value":1884},[1885],{"name":160,"codename":161},{"name":34,"type":27,"value":1887},"/blog",{"name":37,"type":31,"value":1889},[],{"codename":1877,"collection":42,"id":1891,"language":44,"lastModified":1892,"name":1893,"sitemapLocations":1894,"type":48,"workflowStep":49},"ac6e6a29-d40a-5723-bc5d-e3212cd88b58","2025-08-28T10:39:11.3000744Z","Retour Blog - CTA",[],{"name":1896,"type":27,"value":1897},"Lire l'article","Read the article",{"name":1899,"type":1900,"value":16},"Mail","custom",{"name":1902,"type":27,"value":1903},"Articles associés","Related articles",{"name":1905,"type":27,"value":1906},"title","Oops, the page was not found.",{"name":27,"type":27,"value":1908},"No problem, we'll redirect you to the homepage right away.",{"name":1910,"type":19,"value":1911,"linkedItems":1912},"cta",[],[],{"name":125,"type":8,"value":1914},[1915],{"name":1916,"description":16,"type":13,"size":1917,"url":1918,"renditions":16},"404_illustration.svg",18141,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/eb89716f-06d7-41c6-9891-08fb967c40a9/404_illustration.svg",{"codename":1920,"collection":42,"id":1921,"language":44,"lastModified":1922,"name":1923,"sitemapLocations":1924,"type":1925,"workflowStep":49},"pilla_configuration","7a46b0bb-806b-5cd0-abcd-1427515a8831","2026-02-25T09:51:16.4889254Z","Pilla Configuration",[],"website_configuration__p_",{"_menu__ta_prevoyance__tes_avantages":558,"a_propos___a_propos__copy_":1111,"a_propos___a_propos__copy__97e40c0":1071,"a_propos_cf8c934":991,"block___faq":1242,"block_article_list":1342,"blog":1305,"blog___herozone":1313,"contact_1d28eb4":1475,"disclaimer_0cd8a68":1225,"download_cta":55,"faq":1190,"faq___herozone":1198,"header_contact_cta":23,"hero___about":1000,"home___download_app_block":1386,"libre_passage___2eme_pillier":598,"libre_passage___avantages":636,"libre_passage___base_de_connaissances":878,"libre_passage___calculer":841,"libre_passage___combien_ca_coute__":741,"libre_passage___comment_ca_marche__":699,"libre_passage___herozone":607,"libre_passage___profil_de_placement":662,"libre_passage___solution_de_placement":803,"mentions_legales___contenu":1640,"mentions_legales___herozone":1616,"mentions_legales_678969e":1607,"menu_70127aa":1558,"menu_group___footer":1564,"menu_group___general":1456,"menu_group___libre_passage":590,"menu_group___pillier_3a":89,"menu_header_desktop":78,"menu_header_mobile":1450,"menu_item___a_propos_de_canb":983,"menu_item___base_de_connaissances":571,"menu_item___base_de_connaissances_4d9f4ce":966,"menu_item___blog":1297,"menu_item___calculer":545,"menu_item___calculer_7cdd1f9":941,"menu_item___conditions_d_utilisation":1785,"menu_item___faq":1182,"menu_item___libre_passage___ta_prevoyance__tes_ava":954,"menu_item___mentions_legales":1599,"menu_item___nous_contacter":1467,"menu_item___protection_des_donnees_personnelles":1693,"menu_item___solution_de_placement":529,"menu_item___solution_de_placement_9a49c7b":929,"pilier_3a":99,"pilier_3a___avantages":154,"pilier_3a___calculator":479,"pilier_3a___combien_ca_coute__":280,"pilier_3a___solutions_investissement":186,"pillar_3a___hero":112,"pillar_3a___text_image":238,"pillar_3a___text_image_1":1031,"pillier_3a___base_de_connaissances":400,"pillier_3a___solution_de_placement":441,"politiques_des_cookies":1793,"protection_des_donnees_personnelles_69fc71b":1701,"return_to_blog_cta":1879,"telecharger_l_app":324,"untitled_content_item_05bde2d":1710,"untitled_content_item_56777e4":1825,"untitled_content_item_72714ca":1802,"untitled_content_item_f48fc69":1734},{"items":1928,"pagination":2593,"linkedItems":2596},[1929,1992,2044,2087,2161,2202,2245,2285,2329,2382,2417,2457,2497,2540],{"elements":1930,"system":1986},{"slug":1931,"urlslug":1934,"title":1935,"tags":1937,"media":1953,"video":1963,"resume":1966,"lecture_duration":1973,"content":1976,"blocks":1982},{"name":1932,"type":27,"value":1933},"Slug","how-much-should-you-save",{"name":102,"type":103,"value":1933},{"name":92,"type":27,"value":1936},"Pillar 3A: how much should you save per month? ",{"name":1938,"type":19,"value":1939,"linkedItems":1941},"Tags",[1940],"n3e_pillier",[1942],{"elements":1943,"system":1947},{"name":1944},{"name":1945,"type":27,"value":1946},"Name","3rd Pillar",{"codename":1940,"collection":42,"id":1948,"language":44,"lastModified":1949,"name":1950,"sitemapLocations":1951,"type":1952,"workflowStep":49},"34f2aa5f-eead-5928-bf50-806fba2b6f96","2026-01-12T17:02:58.7506054Z","3E Pilier",[],"article_tag__p_",{"name":212,"type":8,"value":1954},[1955],{"name":1956,"description":16,"type":1957,"size":1958,"url":1959,"width":1960,"height":1961,"renditions":1962},"Articles - Visuel 16.jpg","image/jpeg",2659872,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/cec94b49-159b-41be-9992-267830b1797d/Articles%20-%20Visuel%2016.jpg",4000,6016,{},{"name":1964,"type":8,"value":1965},"Video",[],{"images":1967,"linkedItemCodenames":1968,"linkedItems":1969,"links":1970,"name":1971,"type":122,"value":1972},[],[],[],[],"Resume","\u003Cp>You want to open a third pillar and that’s a great idea. But one question comes up again and again: \u003Cstrong>how much should you contribute each month\u003C/strong> for it to really be worth it? \u003C/p>",{"name":1974,"type":27,"value":1975},"Lecture duration","3 min read",{"images":1977,"linkedItemCodenames":1978,"linkedItems":1979,"links":1980,"name":205,"type":122,"value":1981},[],[],[],[],"\u003Cp>Spoiler: there is no single right answer. It all depends on your situation, your budget and your goals. Let’s break it down so things are clearer. \u003C/p>\n\u003Cp>\u003Cstrong>What is the maximum amount allowed?\u003C/strong> \u003C/p>\n\u003Cp>The third pillar is a voluntary form of savings, but the state encourages you to contribute by offering tax advantages. Each year, you can deduct the amounts paid into a pillar 3A from your taxable income. However, there are \u003Cstrong>legal limits\u003C/strong> you should not exceed: \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>If you are affiliated with a pension fund:\u003C/strong> \u003Cbr>\nyou can contribute\u003Cstrong> up to CHF 7,258 per year, \u003C/strong>which is around\u003Cstrong> CHF 604 per month.\u003C/strong> \u003C/li>\n  \u003Cli>\u003Cstrong>If you are not affiliated with a pension fund:\u003C/strong> \u003Cbr>\nyou can contribute\u003Cstrong> up to 20% of your net income\u003C/strong>, with a maximum of\u003Cstrong> CHF 36,288 per year, \u003C/strong>or about\u003Cstrong> CHF 3,024 per month.\u003C/strong> \u003C/li>\n\u003C/ul>\n\u003Cp>But no pressure: you do not need to contribute the maximum for your third pillar to be useful. \u003C/p>\n\u003Cp>\u003Cstrong>What if I can’t afford that much?\u003C/strong> \u003C/p>\n\u003Cp>Good news: \u003Cstrong>every franc counts\u003C/strong>. Even if you only contribute CHF 50 or CHF 100 per month, you are already moving in the right direction. What really matters is \u003Cstrong>consistency\u003C/strong>. \u003Cbr>\nOver the long term, it’s not the one-off amount that makes the difference, but the cumulative effect of monthly contributions, year after year. \u003C/p>\n\u003Cp>For example, if you contribute CHF 100 per month for 30 years, with a moderate return of 3%, you could end up with more than CHF 58,000 by retirement. That’s far from negligible. And if you can gradually increase your contributions, even better. \u003C/p>\n\u003Cp>The Pilla solution follows exactly this philosophy and allows you to contribute from as little as CHF 1.00 to a pillar 3A. Because small amounts can add up to something big. \u003C/p>\n\u003Cp>\u003Cstrong>How do you define your goal?\u003C/strong> \u003C/p>\n\u003Cp>Before deciding how much to save, ask yourself a simple question: \u003Cstrong>why do you want to open a third pillar?\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>To \u003Cstrong>supplement your retirement income\u003C/strong>? \u003C/li>\n  \u003Cli>To \u003Cstrong>buy a home\u003C/strong>? \u003C/li>\n  \u003Cli>To \u003Cstrong>reduce your taxes\u003C/strong>? \u003C/li>\n  \u003Cli>Or simply to \u003Cstrong>build up personal savings\u003C/strong>? \u003C/li>\n\u003C/ul>\n\u003Cp>Depending on your goal and how much time you have until retirement, you can estimate the amount you should aim for. At Pilla, we help you do exactly that by providing an easy-to-use \u003Ca href=\"https://www.pilla.swiss/en/pillar-3a/calculate\">Pillar 3A Calculator. \u003C/a>\u003C/p>\n\u003Cp>\u003Cstrong>Want to optimise your taxes? The maximum limit is your ally\u003C/strong> \u003C/p>\n\u003Cp>If your main objective is tax optimisation, then \u003Cstrong>aiming for the annual maximum makes sense\u003C/strong>. The more you contribute, the more you can deduct and the lower your taxable income becomes. \u003Cbr>\nThis strategy is particularly effective for people with a medium to high income. \u003C/p>\n\u003Cp>A contribution of CHF 7,000 per year can \u003Cstrong>save you several hundred or even several thousand francs in taxes, \u003C/strong>depending on your canton and family situation. That’s an immediate benefit, on top of preparing for your retirement. \u003C/p>\n\u003Cp>\u003Cstrong>Time is on your side\u003C/strong> \u003C/p>\n\u003Cp>It cannot be said often enough: \u003Cstrong>the earlier you start, the better\u003C/strong>. Thanks to compound interest and regular contributions, your savings have more time to grow. \u003Cbr>\nEven small amounts, invested consistently over many years, can lead to impressive results in the long run. \u003C/p>\n\u003Cp>That’s why it makes little sense to wait until you “have more”. It’s better to start modestly today than to wait five years to make a large contribution. Time is your greatest ally. \u003C/p>\n\u003Cp>\u003Cstrong>In short, what should you remember?\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>Save \u003Cstrong>what you can each month\u003C/strong>, even small amounts matter \u003C/li>\n  \u003Cli>Be \u003Cstrong>consistent,\u003C/strong> that’s the key \u003C/li>\n  \u003Cli>If you want to optimise your taxes, \u003Cstrong>aim for the annual maximum\u003C/strong> \u003C/li>\n  \u003Cli>Start \u003Cstrong>as early as possible\u003C/strong> to benefit from time \u003C/li>\n\u003C/ul>\n\u003Cp>At Pilla, we support you in defining a strategy that fits your pace, your budget and your goals. The third pillar is a powerful tool, as long as you use it with consistency and a long-term view. \u003C/p>\n\u003Cp>\u003Cstrong>So, how much will you start with? \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":1984,"linkedItems":1985},"Blocks",[],[],{"codename":1372,"collection":42,"id":1987,"language":44,"lastModified":1988,"name":1989,"sitemapLocations":1990,"type":1991,"workflowStep":49},"b68e97f1-e725-4f7f-967e-46e016049264","2026-05-07T10:02:18.7095068Z","Blog - Article : Combien faut-il épargner par mois ?",[],"article__p_",{"elements":1993,"system":2039},{"slug":1994,"urlslug":1996,"title":1997,"tags":1999,"media":2012,"video":2021,"resume":2023,"lecture_duration":2029,"content":2030,"blocks":2036},{"name":1932,"type":27,"value":1995},"what-happens-to-your-second-pillar-if-you-quit-your-job",{"name":102,"type":103,"value":1995},{"name":92,"type":27,"value":1998},"What happens to your second pillar if you quit your job?",{"name":1938,"type":19,"value":2000,"linkedItems":2002},[2001],"n2e_pilier_027eb82",[2003],{"elements":2004,"system":2007},{"name":2005},{"name":1945,"type":27,"value":2006},"2nd pillar",{"codename":2001,"collection":42,"id":2008,"language":44,"lastModified":2009,"name":2010,"sitemapLocations":2011,"type":1952,"workflowStep":49},"027eb82c-3bd6-4b6b-be75-a642dd7dde7b","2026-01-12T17:05:54.1989226Z","2E Pilier",[],{"name":212,"type":8,"value":2013},[2014],{"name":2015,"description":2016,"type":217,"size":2017,"url":2018,"width":2019,"height":1960,"renditions":2020},"Article 2e Pilier que faire.webp","Rear view of a woman in a suit sitting at a shared desk, surrounded by colleagues in a modern office.",883372,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/7fea319d-90ac-4459-8b84-45a3cdd0a6a0/Article%202e%20Pilier%20que%20faire.webp",6000,{},{"name":1964,"type":8,"value":2022},[],{"images":2024,"linkedItemCodenames":2025,"linkedItems":2026,"links":2027,"name":1971,"type":122,"value":2028},[],[],[],[],"\u003Cp>Have you quit your job? Your employer will no longer pay contributions for you, so your second pillar is now ‘released’. And now you need to take action!\u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2031,"linkedItemCodenames":2032,"linkedItems":2033,"links":2034,"name":205,"type":122,"value":2035},[],[],[],[],"\u003Cp>\u003Cstrong>The right thing to do? Open a vested benefits account. \u003C/strong>\u003C/p>\n\u003Cp>It's free, runs in your name and protects your BVG assets, which have to be held somewhere. If you don't do anything, your capital will automatically be transferred to a standard foundation after two years. This isn't always advantageous. It's better to decide for yourself where it should go and who the provider should be.\u003C/p>\n\u003Cp>If you want to find out about vested benefits you saved earlier and are no longer able to contact your former employer(s) and their pension funds, you must contact the 2nd Pillar Central Office, which will investigate on your behalf. The 2nd Pillar Central Office is responsible for enquiries about occupational pension assets and provides insured persons with information free of charge. \u003C/p>\n\u003Cp>Here is a link to make things easier for you: \u003Ca href=\"https://sfbvg.ch/en/tasks/search-procedure\">https://sfbvg.ch/en/tasks/search-procedure\u003C/a>. \u003C/p>\n\u003Cp>I would like to remind you that the vested benefits account becomes relevant in various situations: if you take a career break, move abroad (to work or simply because you want to leave Switzerland), your income falls below the BVG entry threshold (e.g. due to a reduction in working hours), you plan to become self-employed or you want to divide your assets in the event of divorce.\u003C/p>\n\u003Cp>\u003Cstrong>Tip\u003C/strong>: Take care of this early on so that you remain in control and can invest your assets when you want to. \u003C/p>\n\u003Cp>Your assets are held by a provider, but that does not necessarily mean that they have to remain inactive. A quick note: the money from the vested benefits can be transferred to a pillar 3a account, but this must be done before the age of 65 (for men) or 64 (for women), as the aim is to save for retirement.\u003C/p>\n\u003Cp>\u003Cstrong>Once you have an overview of your situation, what approach should you take?\u003C/strong>\u003C/p>\n\u003Cp>There are various ways in which you can deal with this credit balance, which – don't forget – makes up the majority of your assets and therefore your pension: you can leave it with the central office or transfer it to a vested benefits account.\u003C/p>\n\u003Cp>You are free to decide where your money goes. It makes sense to look after it well. Remember that there are solutions to increase your income in retirement, take advantage of tax benefits and invest in your retirement thanks to the third pillar.\u003C/p>\n\u003Cp>If you are no longer subject to compulsory occupational pension provision and take up self-employment in Switzerland, you can withdraw your vested benefits provided that you can prove your self-employment to your pension fund or, if you no longer have a pension fund, to your vested benefits institution. Part of the available capital can also be invested in a pillar 3a account, as this is attractive from a tax perspective. Self-employed persons can pay in 20% of their net income, up to a maximum of CHF 36,288 per year. This tax-deductible amount can lead to considerable savings.\u003C/p>\n\u003Cp>You can also invest the vested benefits from your occupational pension plan in bank accounts, investment funds or shares, or in vested benefits insurance. \u003C/p>\n\u003Cp>\u003Cstrong>However, you should consider your risk profile and your goals and find out about the various investment options available.\u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2037,"linkedItems":2038},[],[],{"codename":1365,"collection":42,"id":2040,"language":44,"lastModified":2041,"name":2042,"sitemapLocations":2043,"type":1991,"workflowStep":49},"ff771ec6-7914-5946-af75-92778b4503d5","2026-05-07T09:29:32.1821236Z","Blog - Article : Que faire de ton 2e pilier quand tu quittes ton job ?",[],{"elements":2045,"system":2082},{"slug":2046,"urlslug":2048,"title":2049,"tags":2051,"media":2054,"video":2064,"resume":2066,"lecture_duration":2072,"content":2073,"blocks":2079},{"name":1932,"type":27,"value":2047},"moving-abroad",{"name":102,"type":103,"value":2047},{"name":92,"type":27,"value":2050},"Moving abroad? Here’s what happens to your Vested benefits ",{"name":1938,"type":19,"value":2052,"linkedItems":2053},[2001],[2003],{"name":212,"type":8,"value":2055},[2056],{"name":2057,"description":2058,"type":217,"size":2059,"url":2060,"width":2061,"height":2062,"renditions":2063},"Articles - Visuel 18 - V2.webp","A couple moving",80082,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/9a5b8802-393f-4778-86bd-652e69bd9caf/Articles%20-%20Visuel%2018%20-%20V2.webp",900,602,{},{"name":1964,"type":8,"value":2065},[],{"images":2067,"linkedItemCodenames":2068,"linkedItems":2069,"links":2070,"name":1971,"type":122,"value":2071},[],[],[],[],"\u003Cp>Are you planning to leave Switzerland to start a new life elsewhere? Whether it’s for a job, a personal adventure or a fresh start abroad, there’s one detail you really shouldn’t overlook: your second pillar. More specifically, what happens to it once you stop contributing. \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2074,"linkedItemCodenames":2075,"linkedItems":2076,"links":2077,"name":205,"type":122,"value":2078},[],[],[],[],"\u003Cp>When you leave your job and don’t immediately take up another salaried position in Switzerland, your BVG assets, meaning your occupational pension savings, are transferred to a \u003Cstrong>Vested benefits account\u003C/strong>. Think of it as a secure, temporary parking place for your money, while you decide what to do next. \u003C/p>\n\u003Cp>But what happens if you move abroad permanently? Can you withdraw this money, or does it have to stay in Switzerland? The answer depends on your destination. Here’s what you need to know. \u003C/p>\n\u003Cp>\u003Cstrong>If you move to an EU or EFTA country\u003C/strong> \u003C/p>\n\u003Cp>You won’t be able to withdraw the full amount. Swiss law distinguishes between two parts of your second pillar: \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>the mandatory\u003C/strong> portion, defined by occupational pension law \u003C/li>\n  \u003Cli>\u003Cstrong>the extra-mandatory\u003C/strong> portion, meaning contributions or benefits above the legal minimum \u003C/li>\n\u003C/ul>\n\u003Cp>If you move to a country in the \u003Cstrong>European Union or the EFTA,\u003C/strong> such as Iceland, Norway or Liechtenstein, you cannot withdraw the mandatory portion. It must remain in Switzerland, on a Vested benefits account, until the AHV reference age, in other words the legal retirement age. \u003Cbr>\nAn exception applies only if you can prove that you are not subject to a social security system in your destination country. \u003C/p>\n\u003Cp>The extra-mandatory portion, however, may be withdrawn under certain conditions. Make sure to check with your pension fund or your Vested benefits provider to understand exactly how your assets are split. \u003C/p>\n\u003Cp>\u003Cstrong>If you move to a country outside the EU or EFTA\u003C/strong> \u003C/p>\n\u003Cp>Good news: if you leave Switzerland for a country \u003Cstrong>outside the EU or EFTA,\u003C/strong> you can generally \u003Cstrong>withdraw your entire second pillar\u003C/strong>, including both the mandatory and the extra-mandatory portions. \u003C/p>\n\u003Cp>This withdrawal is usually allowed if you can \u003Cstrong>prove that you are leaving Switzerland permanently\u003C/strong>. Typical documents include a certificate of departure, deregistration from your municipality, or proof of a new address abroad. \u003C/p>\n\u003Cp>Be aware, though, that this withdrawal is not completely free of tax. \u003Cstrong>You will have to pay a withholding tax on the capital paid out\u003C/strong>. The rate depends on the canton where your Vested benefits foundation is domiciled. The upside is that this tax is often \u003Cstrong>moderate \u003C/strong>compared to standard income taxation. \u003C/p>\n\u003Cp>Some expatriates even choose the canton where their Vested benefits account is held in order to optimise this exit tax. For example, cantons such as Schwyz or Zug apply lower rates than Geneva or Vaud. A strategy worth knowing. \u003C/p>\n\u003Cp>\u003Cstrong>Pilla’s advice: plan ahead and stay informed\u003C/strong> \u003C/p>\n\u003Cp>Before packing your bags, take the time to\u003Cstrong> inform yourself \u003C/strong>thoroughly about the tax rules and withdrawal conditions. Each country has its own specifics, including how foreign capital is taxed, double taxation agreements, and reporting obligations. A withdrawal that is rushed or poorly \u003Cstrong>planned could cost you tax advantages\u003C/strong> and therefore money. \u003C/p>\n\u003Cp>Also think about what you want to do with this capital: withdraw it and spend it, transfer it to an account abroad, or leave it in Switzerland and invest it through a Vested benefits account. All these options exist, as long as you understand their implications. \u003C/p>\n\u003Cp>At Pilla, we’re here to help you see things more clearly, compare possible scenarios and choose the solution that best fits your plans to move abroad. \u003Cstrong>The goal is simple: to let you leave with peace of mind, without leaving your second pillar to chance. \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2080,"linkedItems":2081},[],[],{"codename":1367,"collection":42,"id":2083,"language":44,"lastModified":2084,"name":2085,"sitemapLocations":2086,"type":1991,"workflowStep":49},"bd01be1c-7b58-44cb-9335-45aad51e16d1","2026-05-07T13:56:52.7125797Z","Blog - Article : Tu pars à l’étranger ? Voici ce qu’il advient de ton libre passage",[],{"elements":2088,"system":2156},{"slug":2089,"urlslug":2091,"title":2092,"tags":2094,"media":2097,"video":2107,"resume":2109,"lecture_duration":2115,"content":2116,"blocks":2122},{"name":1932,"type":27,"value":2090},"3rd-pillar-investment-strategies",{"name":102,"type":103,"value":2090},{"name":92,"type":27,"value":2093},"How are 3rd pillar investment strategies designed? ",{"name":1938,"type":19,"value":2095,"linkedItems":2096},[1940],[1942],{"name":212,"type":8,"value":2098},[2099],{"name":2100,"description":2101,"type":217,"size":2102,"url":2103,"width":2104,"height":2105,"renditions":2106},"Articles---Visuel-6.webp","Two friends looking at a smartphone.",176484,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/48319295-e7a3-4535-88a0-03d9701ab3b9/Articles---Visuel-6.webp",2400,1600,{},{"name":1964,"type":8,"value":2108},[],{"images":2110,"linkedItemCodenames":2111,"linkedItems":2112,"links":2113,"name":1971,"type":122,"value":2114},[],[],[],[],"\u003Cp>Want to invest your 2nd or 3rd pillar funds, but not sure how to go about it? Good news: with Pilla, you don’t need to be a stock market expert to ensure a diversified and sustainable investment.\u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2117,"linkedItemCodenames":2118,"linkedItems":2119,"links":2120,"name":205,"type":122,"value":2121},[],[],[],[],"\u003Cp>To make your life easier, the app offers ready-made investment strategies. But you always have the final say. Find out how to choose and tailor your strategy to your profile, so you can build a secure future with peace of mind.\u003C/p>\n\u003Cp>\u003Cstrong>What are your investment options for your retirement savings?\u003C/strong>\u003C/p>\n\u003Cp>When it comes to investing your 2nd or 3rd pillar assets, you have options. You can opt for a traditional savings plan or choose to invest in ESG funds. You can also combine the two and adjust your strategy at any time.\u003C/p>\n\u003Cul>\n  \u003Cli>For savings, Pilla offers a fixed-interest investment in Swiss francs, providing a predefined and stable return over a given period. This is the solution with the lowest risk and a clear long-term outlook.\u003Cbr>\n\u003C/li>\n  \u003Cli>At Pilla, all investment funds are ESG funds. Unlike traditional funds, which base their selection solely on financial performance (revenue, profit, growth, etc.), ESG funds also incorporate “non-financial” factors to assess companies’ environmental impact (E), their management of social issues (S), and the quality of their governance (G).\u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>ESG Funds: Our 5 Investment Strategies\u003C/strong>\u003C/p>\n\u003Cp>Pilla offers 5 strategies tailored to different investment profiles. They consist of exchange-traded funds (ETFs), investment products that track the performance of a stock market index (such as the S&P 500, for example). This is a simple, hassle-free way to invest. Registered in Switzerland, these ETFs are globally diversified and cover stocks, bonds, and real estate.\u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>Profile\u003C/td>\u003Ctd>Strategy\u003C/td>\u003Ctd>Stocks\u003C/td>\u003Ctd>Objectives\u003C/td>\u003Ctd>Risk\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Conservative\u003C/td>\u003Ctd>Pilla Selection ESG Index 20\u003C/td>\u003Ctd>20%\u003C/td>\u003Ctd>Safety and Growth\u003C/td>\u003Ctd>2/5\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Balanced\u003C/td>\u003Ctd>Pilla Selection ESG Index 35\u003C/td>\u003Ctd>35%\u003C/td>\u003Ctd>Stability and Performance\u003C/td>\u003Ctd>3/5\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Dynamic\u003C/td>\u003Ctd>Pilla Selection ESG Index 55\u003C/td>\u003Ctd>55%\u003C/td>\u003Ctd>Medium- to Long-Term Growth\u003C/td>\u003Ctd>4/5\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Growth\u003C/td>\u003Ctd>Pilla Selection ESG Index 75\u003C/td>\u003Ctd>75%\u003C/td>\u003Ctd>Maximizing medium- or long-term growth\u003C/td>\u003Ctd>4/5\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Capital gains\u003C/td>\u003Ctd>Pilla Selection ESG Index 95\u003C/td>\u003Ctd>95%\u003C/td>\u003Ctd>Very high long-term returns\u003C/td>\u003Ctd>5/5\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp>\u003Cstrong>How do you choose the right investment strategy?\u003C/strong>\u003C/p>\n\u003Cp>The choice is yours. You don’t need to know the financial markets to grow your retirement savings. The strategies are diversified, designed for the medium to long term, and tailored to your goals.\u003Cbr>\n\u003Cbr>\nTo help you select an investment strategy that suits you, we recommend starting by assessing your risk profile: conservative, balanced, dynamic, growth, or capital appreciation. Based on the information you provide, Pilla will suggest a suitable investment profile. You can then compare the available strategies.\u003Cbr>\nThe maximum equity allocation is an important factor. The higher the percentage of equity exposure, the greater the potential return—and the more significant the short-term fluctuations may be. Of course, expected returns are a key factor in making your decision. It’s also wise to compare the fees charged by different providers, while keeping in mind that low fees do not necessarily equate to high returns.\u003C/p>\n\u003Cp>\u003Cstrong>What returns can you expect from different types of investments?\u003C/strong>\u003C/p>\n\u003Cp>Traditional savings accounts offer returns of 0% to 1%, while third-pillar life insurance plans offer returns between 1% and 2%, but are often more expensive and less flexible. Historically, and although they are more volatile, mutual funds can generate returns of between 3% and 7%.\u003Cbr>\n\u003Cbr>\nThanks to index funds, such as those offered in the Pilla Selection Index ESG strategies, investors have access to professional, structured financial exposure that can potentially outperform individual, stand-alone investments.\u003C/p>\n\u003Cp>\u003Cstrong>Understanding and Comparing Fees\u003C/strong>\u003C/p>\n\u003Cp>This is a very important and sometimes misunderstood topic. At Pilla, total fees are transparent and clearly displayed. They consist of management fees and the TER (Total Expense Ratio), which should be distinguished from one another.\u003C/p>\n\u003Cul>\n  \u003Cli>Management fees are deducted directly from your invested assets as a flat fee. They therefore do not apply to the cash portion of your portfolio. At Pilla, management fees amount to 0.5% per year.\u003C/li>\n  \u003Cli>The TERs are the fees for the various funds that make up each investment strategy and are deducted from your returns. At Pilla, they range from 0.19% to 0.23% and depend on the selected investment strategy.\u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Don’t confuse low fees with returns\u003C/strong>\u003C/p>\n\u003Cp>When comparing the solutions and fees offered by different providers, remember that low fees do not necessarily mean a better net return!\u003Cbr>\nLet’s look at a concrete example by comparing Pilla to a competitor offering particularly attractive fees. This data alone could mislead you if you don’t take expected performance into account.\u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>Provider\u003C/td>\u003Ctd>Total Fees\u003C/td>\u003Ctd>Gross Return\u003C/td>\u003Ctd>Net Return\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Competitor\u003C/td>\u003Ctd>0.30%\u003C/td>\u003Ctd>5%\u003C/td>\u003Ctd>4.70%\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Pilla\u003C/td>\u003Ctd>0.69%\u003C/td>\u003Ctd>7%\u003C/td>\u003Ctd>6.31%\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp>For a more realistic comparison, look instead at the historical net performance over 3, 5, and 10 years, the quality and diversification of the underlying funds, and the consistency of the strategy over time—including during market downturns.\u003Cbr>\nAt Pilla, our fees reflect the choices we’ve made: high-quality ESG funds, a platform designed to support you, and an approach built to last.\u003C/p>\n\u003Cp>\u003Cstrong>In summary, how to get started\u003C/strong>\u003C/p>\n\u003Cp>Whether you choose to open a Pillar 3A account or transfer your Pillar 2 assets to a vested benefits account, always ask yourself these three questions before investing in the financial markets:\u003C/p>\n\u003Col>\n  \u003Cli>How far in the future will you need this money?\u003C/li>\n  \u003Cli>What is your risk profile?\u003C/li>\n  \u003Cli>What are your plans?\u003C/li>\n\u003C/ol>\n\u003Cp>This will help you determine whether you prefer to preserve your capital with low risk (conservative), aim for more growth and long-term gains while accepting more risk (capital gains), or fall somewhere in between (conservative, balanced, dynamic, growth).\u003C/p>\n\u003Cp>\u003Cstrong>Pilla is here to help you optimize your financial planning and guide you toward a solution and strategy that’s truly tailored to your needs.\u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2123,"linkedItems":2124},[152],[2125],{"elements":2126,"system":2154},{"title":2127,"content":2128,"media":2129,"media_portrait":2133,"cta":2137,"parallax_elements":2151},{"name":92,"type":27,"value":327},{"name":205,"type":27,"value":329},{"name":331,"type":8,"value":2130},[2131],{"name":334,"description":335,"type":217,"size":336,"url":337,"width":338,"height":339,"renditions":2132},{},{"name":342,"type":8,"value":2134},[2135],{"name":345,"description":335,"type":217,"size":346,"url":347,"width":348,"height":349,"renditions":2136},{},{"name":136,"type":19,"value":2138,"linkedItems":2139},[53],[2140],{"elements":2141,"system":2149},{"text":2142,"is_download":2143,"url":2146,"variant":2147},{"name":26,"type":27,"value":58},{"name":30,"type":31,"value":2144},[2145],{"name":62,"codename":63},{"name":34,"type":27,"value":65},{"name":37,"type":31,"value":2148},[],{"codename":53,"collection":42,"id":69,"language":44,"lastModified":70,"name":71,"sitemapLocations":2150,"type":48,"workflowStep":49},[],{"name":229,"type":19,"value":2152,"linkedItems":2153},[],[],{"codename":152,"collection":42,"id":358,"language":44,"lastModified":359,"name":360,"sitemapLocations":2155,"type":362,"workflowStep":49},[],{"codename":1371,"collection":42,"id":2157,"language":44,"lastModified":2158,"name":2159,"sitemapLocations":2160,"type":1991,"workflowStep":49},"c06c2d58-ce07-4c6c-b389-ebb8ccff8ef5","2026-07-06T11:26:56.2457408Z","Blog - Article : Comment sont conçues les stratégies d’investissement de 3e pilier ?",[],{"elements":2162,"system":2197},{"slug":2163,"urlslug":2165,"title":2166,"tags":2168,"media":2171,"video":2179,"resume":2181,"lecture_duration":2187,"content":2188,"blocks":2194},{"name":1932,"type":27,"value":2164},"save-or-invest",{"name":102,"type":103,"value":2164},{"name":92,"type":27,"value":2167},"Save or invest with your 3rd pillar: which option should you choose?",{"name":1938,"type":19,"value":2169,"linkedItems":2170},[1940],[1942],{"name":212,"type":8,"value":2172},[2173],{"name":2174,"description":2175,"type":217,"size":2176,"url":2177,"width":2019,"height":1960,"renditions":2178},"Articles - Visuel 1.webp","Smiling woman with coffee and phone in urban setting.",1126422,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/3d2e9375-7b9e-4da2-918d-5873e670ed74/Articles%20-%20Visuel%201.webp",{},{"name":1964,"type":8,"value":2180},[],{"images":2182,"linkedItemCodenames":2183,"linkedItems":2184,"links":2185,"name":1971,"type":122,"value":2186},[],[],[],[],"\u003Cp>You’ve decided to open your 3rd pillar, and that’s already a great move! But now comes the big question: should you simply save your money in cash, the traditional way, or invest it to try and earn more in the long run? \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2189,"linkedItemCodenames":2190,"linkedItems":2191,"links":2192,"name":205,"type":122,"value":2193},[],[],[],[],"\u003Cp>\u003Cstrong>To help you make the right choice, let’s look clearly at both options with their pros and cons. \u003C/strong>\u003C/p>\n\u003Cp>\u003Cstrong>Option 1. Saving in cash: maximum security\u003C/strong> \u003C/p>\n\u003Cp>Cash savings are like a reassuring safe where your money quietly sits. In practice, your savings are placed in a secure bank account and hardly fluctuate. If peace of mind is your top priority, this option could be the one for you. \u003C/p>\n\u003Cp>\u003Cstrong>Pros:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Zero risk:\u003C/strong> your money is guaranteed, with no risk of loss. \u003C/li>\n  \u003Cli>\u003Cstrong>Predictable:\u003C/strong> you know exactly how much you’ll have for retirement, with no surprises. \u003C/li>\n  \u003Cli>\u003Cstrong>No effort required:\u003C/strong> no need to follow financial news or make decisions – you simply save and relax. \u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Cons:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Low returns:\u003C/strong> interest rates are usually very low, sometimes close to zero. Over time, inflation can even reduce your purchasing power. \u003C/li>\n  \u003Cli>\u003Cstrong>Not ideal for the long term:\u003C/strong> if you have 20 or 30 years ahead of you, you might miss out on the opportunity to make your money grow. \u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Option 2. Investing: to boost your savings\u003C/strong> \u003C/p>\n\u003Cp>Investing is a more active way to manage your 3rd pillar. Your money isn’t just parked, it’s invested in funds, shares, or other financial products. The goal? To generate a higher return over time. \u003C/p>\n\u003Cp>\u003Cstrong>Pros:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Higher return potential:\u003C/strong> over the long term, your money can grow much faster, helping you build up a stronger retirement fund. \u003C/li>\n  \u003Cli>\u003Cstrong>Protects against inflation:\u003C/strong> your savings can better keep up with the cost of living. \u003C/li>\n  \u003Cli>\u003Cstrong>Makes your money work for you:\u003C/strong> you let your capital grow while you go about your life - and that can make a big difference over time. \u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Cons:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Market fluctuations:\u003C/strong> in the short term, your investments can go up or down depending on the markets. \u003C/li>\n  \u003Cli>\u003Cstrong>Less predictable:\u003C/strong> it’s harder to know exactly how much you’ll have at retirement. \u003C/li>\n\u003C/ul>\n\u003Cp>But don’t worry: historically, over the long run, financial markets tend to offer stronger growth opportunities. Even after difficult periods, a well-diversified investment strategy can often more than make up for temporary losses. \u003C/p>\n\u003Cp>\u003Cstrong>So, how should you choose?\u003C/strong> \u003C/p>\n\u003Cp>It all depends on you: your profile, your goals and your comfort with risk. \u003C/p>\n\u003Cul>\n  \u003Cli>If you want \u003Cstrong>maximum security\u003C/strong> and prefer to avoid any uncertainty, cash savings might suit you best. \u003C/li>\n  \u003Cli>If you’re \u003Cstrong>young\u003C/strong>, with more than 10 or 15 years before retirement, and you’re comfortable with a bit of volatility in exchange for potentially higher returns, then investing is probably your best bet. \u003C/li>\n\u003C/ul>\n\u003Cp> \u003Cstrong>The middle ground: a mix of both\u003C/strong> \u003C/p>\n\u003Cp>The good news? You don’t have to choose all or nothing. You can combine both approaches: \u003C/p>\n\u003Cul>\n  \u003Cli>Keep part of your savings in cash for a guaranteed safety cushion. \u003C/li>\n  \u003Cli>Invest the rest to boost your long-term performance and take advantage of higher returns. \u003C/li>\n\u003C/ul>\n\u003Cp>That way, you create a tailor-made balance: one that fits your goals and your appetite for risk. \u003C/p>\n\u003Cp>At \u003Cstrong>Pilla\u003C/strong>, we help you find exactly that balance, based on your personal situation. Your 3rd pillar should reflect who you are, and most importantly, support your plans for the future. \u003C/p>\n\u003Cp>\u003Cstrong>So, ready to make your retirement savings grow smartly? \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2195,"linkedItems":2196},[],[],{"codename":1373,"collection":42,"id":2198,"language":44,"lastModified":2199,"name":2200,"sitemapLocations":2201,"type":1991,"workflowStep":49},"777dd36d-a1bc-4644-ad20-88c8f100a045","2026-05-07T09:33:22.122669Z","Blog - Article : Épargner ou investir avec ton 3e pilier : que choisir ?",[],{"elements":2203,"system":2240},{"slug":2204,"urlslug":2206,"title":2207,"tags":2209,"media":2212,"video":2222,"resume":2224,"lecture_duration":2230,"content":2231,"blocks":2237},{"name":1932,"type":27,"value":2205},"what-is-the-3rd-pillar",{"name":102,"type":103,"value":2205},{"name":92,"type":27,"value":2208},"What exactly is the 3rd pillar? ",{"name":1938,"type":19,"value":2210,"linkedItems":2211},[1940],[1942],{"name":212,"type":8,"value":2213},[2214],{"name":2215,"description":2216,"type":217,"size":2217,"url":2218,"width":2219,"height":2220,"renditions":2221},"Articles ---Visuel-21.webp","Smiling man with coffee and smartphone.",38142,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/127ef979-6fc6-47c8-9e84-5aad8c29f077/Articles%20---Visuel-21.webp",1120,928,{},{"name":1964,"type":8,"value":2223},[],{"images":2225,"linkedItemCodenames":2226,"linkedItems":2227,"links":2228,"name":1971,"type":122,"value":2229},[],[],[],[],"\u003Cp>You’ve probably heard people talk about the 3rd pillar here and there, but maybe you’re not entirely sure what it is or what it’s for. No worries. We’ll explain it simply, without technical lingo and in less than three minutes. \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2232,"linkedItemCodenames":2233,"linkedItems":2234,"links":2235,"name":205,"type":122,"value":2236},[],[],[],[],"\u003Cp>\u003Cstrong>A quick reminder about the three-pillar system in Switzerland\u003C/strong> \u003C/p>\n\u003Cp>In Switzerland, preparing for retirement is based on three pillars. It sounds complicated, but it’s really not. \u003C/p>\n\u003Cp>The \u003Cstrong>1st pillar\u003C/strong> is the AHV, the Old Age and Survivors’ Insurance. It’s compulsory for everyone and aims to cover your basic living needs once you retire. \u003C/p>\n\u003Cp>The \u003Cstrong>2nd pillar\u003C/strong> is your pension fund or BVG. You and your employer both pay into it. It complements the AHV so you can maintain your standard of living. \u003C/p>\n\u003Cp>And finally, there’s the \u003Cstrong>3rd pillar\u003C/strong>, which is completely optional but incredibly smart. \u003C/p>\n\u003Cp>\u003Cstrong>Why opening a 3rd pillar is a great idea\u003C/strong> \u003C/p>\n\u003Cp>The 3rd pillar is your personal savings pot for the future. It is really smart because it lets you: \u003C/p>\n\u003Cul>\n  \u003Cli>Save money regularly or occasionally, depending on your budget \u003C/li>\n  \u003Cli>Reduce your taxes efficiently, and yes, perfectly legally \u003C/li>\n  \u003Cli>Prepare for retirement independently \u003C/li>\n  \u003Cli>Finance important projects like buying a home, starting your own business or taking a sabbatical year \u003C/li>\n\u003C/ul>\n\u003Cp>But most importantly, unlike the first two pillars, you’re the one in control. You decide how often you contribute, how much you save and how you want to invest your money. \u003C/p>\n\u003Cp>\u003Cstrong>The tax benefit of the pillar 3A\u003C/strong> \u003C/p>\n\u003Cp>The pillar 3A is the most common form of the 3rd pillar because it offers strong tax advantages. Every franc you pay into your pillar 3A is deducted directly from your taxable income until you reach the annual limits allowed In simple terms, that means you pay fewer taxes every year. \u003C/p>\n\u003Cp>\u003Cstrong>Annual limits for 2025:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>CHF 7,258 if you contribute to a 2nd pillar through your employer. \u003C/li>\n  \u003Cli>CHF 36,288 if you are self-employed without a 2nd pillar. \u003C/li>\n\u003C/ul>\n\u003Cp>A quick example. You earn CHF 80,000 a year and pay CHF 7,000 into your pillar 3A. Your taxable income drops to CHF 73,000. The result? You save hundreds or even thousands of francs every year.  \u003C/p>\n\u003Cp>Sounds good, right? \u003C/p>\n\u003Cp>\u003Cstrong>Savings that fit your life\u003C/strong> \u003C/p>\n\u003Cp>What makes the 3rd pillar especially appealing is its flexibility. You can:\u003C/p>\n\u003Cul>\n  \u003Cli>Start small and increase your payments over time \u003C/li>\n  \u003Cli>Take a break if needed, with no penalties \u003C/li>\n  \u003Cli>Open several 3A accounts to spread out your withdrawals at retirement and optimise your taxes \u003C/li>\n\u003C/ul>\n\u003Cp>And the best part. Your money always belongs to you, even if you change jobs, move abroad or start a new project. It follows you wherever life takes you. \u003C/p>\n\u003Cp>\u003Cstrong>Investing your 3rd pillar\u003C/strong> \u003C/p>\n\u003Cp>If you want to, you can also invest the money in your pillar 3A to make it grow faster. Depending on your profile and goals, you can choose more dynamic options like investment funds or safer ones like standard savings accounts. This way your retirement savings can grow more quickly while still benefiting from tax advantages. \u003C/p>\n\u003Cp>\u003Cstrong>One last tip before you start\u003C/strong> \u003C/p>\n\u003Cp>The most important thing is to start early. Even small amounts make a big difference over time. So don’t wait too long to get started. Time is your most valuable ally when it comes to building your future with peace of mind. \u003C/p>\n\u003Cp>At \u003Cstrong>Pilla\u003C/strong>, we’re here to support you simply, clearly and without the complicated stuff. Because planning your future should always be easy. \u003C/p>\n\u003Cp>\u003Cstrong>Ready to set your future on the right track? \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2238,"linkedItems":2239},[152],[2125],{"codename":1374,"collection":42,"id":2241,"language":44,"lastModified":2242,"name":2243,"sitemapLocations":2244,"type":1991,"workflowStep":49},"48a8cc26-80a7-477b-b64d-09a273ce8abd","2026-05-07T09:31:27.1790895Z","Blog - Article : Le 3e pilier, c’est quoi exactement ?",[],{"elements":2246,"system":2280},{"slug":2247,"urlslug":2249,"title":2250,"tags":2252,"media":2255,"video":2262,"resume":2264,"lecture_duration":2270,"content":2271,"blocks":2277},{"name":1932,"type":27,"value":2248},"pillar-3a-vs-3b",{"name":102,"type":103,"value":2248},{"name":92,"type":27,"value":2251},"Pillar 3A vs 3B: the differences made simple ",{"name":1938,"type":19,"value":2253,"linkedItems":2254},[1940],[1942],{"name":212,"type":8,"value":2256},[2257],{"name":2258,"description":16,"type":129,"size":2259,"url":2260,"width":2104,"height":2105,"renditions":2261},"Articles---Visuel-10.png",3783081,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/82a2d719-6595-4d4c-8792-78f7ed07a8f4/Articles---Visuel-10.png",{},{"name":1964,"type":8,"value":2263},[],{"images":2265,"linkedItemCodenames":2266,"linkedItems":2267,"links":2268,"name":1971,"type":122,"value":2269},[],[],[],[],"\u003Cp>You often hear about pillars 3A and 3B, but you are not quite sure what the difference is? No worries, that is completely normal. In Switzerland, the pension system is often seen as complex, but you will see that it is actually much simpler than it looks. Today, we break down these two pillars in a clear and straightforward way. \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2272,"linkedItemCodenames":2273,"linkedItems":2274,"links":2275,"name":205,"type":122,"value":2276},[],[],[],[],"\u003Cp>\u003Cstrong>Why do we talk about the “3rd pillar”?\u003C/strong> \u003C/p>\n\u003Cp>First, let’s look at the bigger picture. The Swiss pension system is based on three pillars. \u003C/p>\n\u003Cul>\n  \u003Cli>The \u003Cstrong>1st pillar \u003C/strong>(AHV) is mandatory and covers your basic needs in retirement \u003C/li>\n  \u003Cli>The \u003Cstrong>2nd pillar \u003C/strong>(occupational pension or BVG/LPP) complements the AHV and helps you maintain your standard of living \u003C/li>\n  \u003Cli>The \u003Cstrong>3rd pillar\u003C/strong> is voluntary. It allows you to save individually for retirement while benefiting, depending on the option chosen (3A or 3B), from attractive tax advantages  \u003C/li>\n\u003C/ul>\n\u003Cp>Pillar 3A vs 3B: the key differences \u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd> \u003C/td>\u003Ctd>\u003Cp>\u003Cstrong>Pillar 3A\u003C/strong> \u003C/p>\n\u003Cp> \u003C/p>\n\u003C/td>\u003Ctd>\u003Cstrong>Pillar 3B\u003C/strong> \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Who is it for?\u003C/strong> \u003C/td>\u003Ctd>\u003Cp> \u003C/p>\n\u003Cp>Anyone earning an income subject to AHV contributions \u003C/p>\n\u003C/td>\u003Ctd>\u003Cp> \u003C/p>\n\u003Cp> \u003C/p>\n\u003Cp>Everyone, subject to contractual conditions \u003C/p>\n\u003Cp> \u003C/p>\n\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Purpose\u003C/strong> \u003C/td>\u003Ctd>\u003Cp> \u003C/p>\n\u003Cp>Prepare for retirement, save for a project or financially protect your family \u003C/p>\n\u003C/td>\u003Ctd>\u003Cp> \u003C/p>\n\u003Cp>Free and flexible savings, with the option to include death or disability cover \u003C/p>\n\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Tax benefits\u003C/strong> \u003C/td>\u003Ctd>Yes, this is the big advantage: contributions are deductible from taxable income and the capital is not part of taxable assets \u003C/td>\u003Ctd>No \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Contribution period\u003C/strong> \u003C/td>\u003Ctd>From age 18 up to 5 years after the AHV reference age, provided you are working \u003C/td>\u003Ctd>Free, you decide, subject to contractual conditions \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Annual contribution limit\u003C/strong> \u003C/td>\u003Ctd>CHF 7,258 if you are affiliated with a pension fund, or 20% of net income up to a maximum of CHF 36,288 if you are not \u003C/td>\u003Ctd>No limit \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Investment options\u003C/strong> \u003C/td>\u003Ctd>Savings accounts, investment funds and life insurance \u003C/td>\u003Ctd>Savings, investment funds, securities, art, real estate, life insurance, etc \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Withdrawal\u003C/strong> \u003C/td>\u003Ctd>Earliest 5 years before and latest 5 years after the legal retirement age \u003C/td>\u003Ctd>You can withdraw whenever you want \u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Early withdrawal\u003C/strong> \u003C/td>\u003Ctd>Only possible in the following cases:  \u003Cbr>\n• Permanent move abroad  \u003Cbr>\n• Becoming self-employed  \u003Cbr>\n• Purchase of a primary residence  \u003Cbr>\n• Repayment of an existing mortgage  \u003Cbr>\n• Buy-in to a pension fund  \u003Cbr>\n• Transfer to another 3A foundation \u003C/td>\u003Ctd>\u003Cp> \u003C/p>\n\u003Cp> \u003C/p>\n\u003Cp>No restrictions, subject to contractual conditions \u003C/p>\n\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp> \u003Cstrong>Focus on pillar 3A: the smart option for your taxes\u003C/strong> \u003C/p>\n\u003Cp>Pillar 3A (tied pension provision) is particularly attractive if you want to save on taxes. Each year, you can deduct the full amount paid in from your taxable income. \u003C/p>\n\u003Cp>For example, if you earn CHF 80,000 gross per year and pay CHF 7,000 into your 3A, your taxable income automatically drops to CHF 73,000. The result: less tax to pay that year. \u003C/p>\n\u003Cp>The capital accumulated is exempt from wealth tax throughout the savings phase. \u003Cbr>\nBe aware though that when you withdraw the money, you will have to pay a reduced tax, usually between 5 and 10% depending on the canton. This is why it makes sense to open several 3A accounts and stagger your withdrawals at retirement to avoid a high tax bill. \u003C/p>\n\u003Cp> \u003Cstrong>Pillar 3B: freedom first\u003C/strong> \u003C/p>\n\u003Cp>With pillar 3B, also known as free pension provision, you enjoy much greater flexibility. You can withdraw your money at any time without having to justify it. \u003Cbr>\nThe downside is that there are no tax advantages. \u003C/p>\n\u003Cp>\u003Cstrong>When should you choose one or the other?\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>Choose \u003Cstrong>pillar 3A\u003C/strong> if your goal is to prepare for retirement while reducing your taxes. This is especially relevant if you have a stable income and want to optimise your savings over the long term \u003C/li>\n  \u003Cli>Go for \u003Cstrong>pillar 3B\u003C/strong> if you want full access to your savings at any time, even if that means giving up tax benefits \u003C/li>\n\u003C/ul>\n\u003Cp> \u003Cstrong>The Pilla tip\u003C/strong> \u003C/p>\n\u003Cp>Ideally, you combine both. This way, you benefit from the tax advantages of pillar 3A for your retirement, while keeping a flexible portion in pillar 3B for unexpected expenses or short-term projects. \u003C/p>\n\u003Cp>\u003Cstrong>Key takeaways\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Pillar 3A\u003C/strong> = smart retirement savings with tax benefits \u003C/li>\n  \u003Cli>\u003Cstrong>Pillar 3B\u003C/strong> = flexible savings without constraints, but without tax benefits \u003C/li>\n\u003C/ul>\n\u003Cp>Now that you have the full picture, all that is left is to decide how to best prepare your future. \u003Cstrong>At Pilla, we are here to help you make the most relevant choices, simply and transparently. \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2278,"linkedItems":2279},[152],[2125],{"codename":1369,"collection":42,"id":2281,"language":44,"lastModified":2282,"name":2283,"sitemapLocations":2284,"type":1991,"workflowStep":49},"e53bca26-08cb-429d-9036-d03db4da4ff5","2026-05-07T09:37:13.1199634Z","Blog - Article : Pilier 3a vs 3b : les différences sans prise de tête",[],{"elements":2286,"system":2324},{"slug":2287,"urlslug":2289,"title":2291,"tags":2293,"media":2296,"video":2305,"resume":2307,"lecture_duration":2313,"content":2315,"blocks":2321},{"name":1932,"type":27,"value":2288},"why-is-it-recommended-to-open-multiple-Pillar-3a-accounts",{"name":102,"type":103,"value":2290},"why-is-it-recommended-to-open-multiple-pillar-3a-accounts",{"name":92,"type":27,"value":2292},"Why is it recommended to open multiple Pillar 3A accounts?",{"name":1938,"type":19,"value":2294,"linkedItems":2295},[1940],[1942],{"name":212,"type":8,"value":2297},[2298],{"name":2299,"description":16,"type":129,"size":2300,"url":2301,"width":2302,"height":2303,"renditions":2304},"Articles---Visuel-17.png",20500352,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/157943b4-0e5b-4eaa-ba2c-5d6f4a3bc924/Articles---Visuel-17.png",5608,3739,{},{"name":1964,"type":8,"value":2306},[],{"images":2308,"linkedItemCodenames":2309,"linkedItems":2310,"links":2311,"name":1971,"type":122,"value":2312},[],[],[],[],"\u003Cp>You’re already saving in your Pillar 3A account, and one question keeps running through your mind: Is it better to consolidate everything into a single account, or to open multiple Pillar 3A accounts?\u003C/p>\n\u003Cp>Good news: spreading your savings across multiple accounts is not only possible, but it can also give you more flexibility when it comes time to withdraw your funds—and, depending on your situation, help you reduce the tax burden associated with withdrawing your retirement savings.\u003C/p>\n\u003Cp>We’ll explain why—and, more importantly, how to go about it.\u003C/p>",{"name":1974,"type":27,"value":2314},"5",{"images":2316,"linkedItemCodenames":2317,"linkedItems":2318,"links":2319,"name":205,"type":122,"value":2320},[],[],[],[],"\u003Ch2>Why the Number of 3A Accounts You Hold Makes All the Difference When You Withdraw Funds\u003C/h2>\n\u003Cp>In Switzerland, the money you withdraw from your Pillar 3A account is taxed separately from your income, at a reduced rate. However, this taxation is progressive: the more you withdraw in a single year, the higher the tax.\u003C/p>\n\u003Cp>The key point is that\u003Cstrong>a Pillar 3A account must be withdrawn in a single lump sum\u003C/strong>. You can’t simply withdraw part of the principal and then withdraw the balance a few years later from the same account.\u003C/p>\n\u003Cp>This is where the multi-account strategy comes into play: by spreading your savings across multiple accounts, you can schedule your withdrawals over several different tax years. Since each withdrawal is smaller, the applicable tax rate may be more favorable, potentially\u003Cstrong> reducing your overall tax bill\u003C/strong>.\u003C/p>\n\u003Cp>Be careful, however: emptying multiple accounts in the same year offers no tax advantage, as the amounts will be combined. For this strategy to work, you must therefore spread out your withdrawals over time.\u003Cbr>\u003C/p>\n\u003Cp>\u003Cstrong>A concrete example\u003Cbr>\u003C/strong>Imagine you retire with CHF 150,000 in a single Pillar 3A account. If you withdraw the entire amount in the same year, it is taxed all at once—usually at a fairly high rate.\u003Cbr>Conversely, if that CHF 150,000 is spread across three accounts of CHF 50,000 each, you can withdraw the amount from one account per year over three different tax years. Each withdrawal is then taxed separately, often at a more favorable rate.\u003C/p>\n\u003Ch2>Taxation of Pillar 3A withdrawals also depends on your canton of residence\u003C/h2>\n\u003Cp>One point that’s often overlooked: Taxes on Pillar 3A withdrawals aren’t the same throughout Switzerland.\u003Cbr>Each canton applies its own rules and tax brackets for the taxation of lump-sum pension benefits. The amount of tax you owe therefore depends, among other things, on your canton of residence, the amount withdrawn, and your personal circumstances.\u003C/p>\n\u003Cp>This is why a strategy of staggered withdrawals can have a different impact depending on where you live. In some cantons, spreading withdrawals over several tax years can result in significant tax savings, while the effect will be more limited elsewhere.\u003C/p>\n\u003Cp>Before determining your withdrawal strategy, it is therefore important to consider the tax rules applicable to your canton of residence and your personal circumstances.\u003C/p>\n\u003Ch2>Other Benefits of Holding Multiple Accounts\u003C/h2>\n\u003Cp>The tax aspect is the best known, but it is far from the only one.\u003C/p>\n\u003Cp>\u003Cstrong>Greater flexibility in the event of early withdrawal.\u003Cbr>\u003C/strong>Whether you’re buying a home, becoming self-employed, or leaving Switzerland permanently: when you withdraw your\u003Csup>3rd\u003C/sup> pillar savings, you’re required to withdraw all the funds from your account. Having multiple accounts allows you to withdraw only the capital you need, without touching the rest of your savings.\u003C/p>\n\u003Cp>\u003Cstrong>Diversification.\u003Cbr>\u003C/strong>If you have multiple 3A pillar accounts, you can adopt a diversified approach that aims to put your money to work in different ways to maximize its potential.\u003Cbr>You can choose a more dynamic investment strategy if you’re looking for a potentially higher return over the medium to long term, or opt for a more conservative strategy with a fixed-rate savings account.\u003C/p>\n\u003Cp>If you’re unsure which strategy to choose, check out our dedicated article on the topic: \u003Ca href=\"https://www.pilla.swiss/fr/blog/epargner-ou-investir-avec-ton-3e-pilier\">Saving or Investing with Your Pillar 3A: Which Should You Choose?\u003C/a>\u003Cbr>If you’d like to learn more about how investment strategies are designed, we explain everything here: \u003Ca href=\"https://www.pilla.swiss/fr/blog/strategies-d-investissement-3e-pilier\">How Pilla’s 3A pillar investment strategies are designed\u003C/a>.\u003C/p>\n\u003Cp>\u003Cstrong>A clearer view of your savings.\u003C/strong>\u003Cbr>You can dedicate one account to retirement, another to a real estate project, and another to starting your own business, for example. This structure makes it easier to track the progress of each project.\u003C/p>\n\u003Ch2>\u003Cstrong>\u003Cbr>\u003C/strong>But then, how many Pillar 3A accounts can you open?\u003C/h2>\n\u003Cp>Swiss regulations do not impose a maximum number of Pillar 3A accounts you can hold. However, each financial institution may set its own conditions.\u003Cbr>At Pilla, you can open \u003Cstrong>up to five different portfolios.\u003C/strong>\u003C/p>\n\u003Ch2>Do you have to open multiple Pillar 3A accounts in every situation?\u003C/h2>\n\u003Cp>Not necessarily. Here are a few guidelines that might help you make the right decision.\u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>\u003Cstrong>Your profile\u003C/strong>\u003C/td>\u003Ctd>\u003Cstrong>What this means\u003C/strong>\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>You’re just starting to save with a Pillar 3A account\u003C/td>\u003Ctd>A single portfolio is more than enough. You can always open additional ones later.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>You’ve been saving for several years\u003C/td>\u003Ctd>Gradually spreading your capital across multiple accounts can make future withdrawals easier.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>You’re planning to buy a home\u003C/td>\u003Ctd>A dedicated account can help you finance your project without dipping into your entire retirement savings.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>You’re nearing retirement\u003C/td>\u003Ctd>Now is a good time to plan withdrawals spread out over several tax years.\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp>You don’t have to plan everything out today. Your strategy can evolve over the years, depending on your plans and your savings pace.\u003C/p>\n\u003Ch3>Mistakes to Avoid When Opening Multiple 3A Accounts\u003C/h3>\n\u003Cp>\u003Cstrong>Waiting until the last minute.\u003C/strong>\u003Cbr>The sooner you spread out your savings, the more flexibility you’ll have to organize your withdrawals over several years.\u003C/p>\n\u003Cp>\u003Cstrong>Withdrawing from multiple accounts in the same year.\u003C/strong>\u003Cbr>In many cantons, pension fund withdrawals made during the same tax year may be aggregated for tax purposes. To get the most out of this strategy, it’s best to schedule withdrawals across different calendar years.\u003C/p>\n\u003Cp>\u003Cstrong>Choosing the same risk profile across the board.\u003C/strong>\u003Cbr>Not all your goals have the same investment horizon. Savings intended to finance a home in two years will generally not be invested in the same way as retirement savings planned for twenty years from now.\u003C/p>\n\u003Cp>\u003Cstrong>Forgetting to take your canton into account.\u003C/strong>\u003Cbr>The savings achieved through staggered withdrawals vary depending on cantonal tax rates. Before defining your strategy, it’s therefore a good idea to check the rules that apply to your place of residence.\u003C/p>\n\u003Ch2>Quick FAQ: Your Questions About Multiple Pillar 3A Accounts\u003C/h2>\n\u003Ch3>Can I transfer part of my existing savings to a new portfolio?\u003C/h3>\n\u003Cp>Yes. You can divide your existing capital among several accounts, according to the terms set by your financial institution.\u003C/p>\n\u003Ch3>Does splitting my savings result in higher fees?\u003C/h3>\n\u003Cp>At Pilla, fees remain the same regardless of the number of portfolios you open. If you’re comparing multiple financial institutions, be sure to check their fee structures.\u003C/p>\n\u003Ch3>How many accounts should I have before retirement?\u003C/h3>\n\u003Cp>There’s no “ideal” number. Many strategies recommend three to five accounts to facilitate staggered withdrawals, but it all depends on your accumulated capital, your canton, and your personal situation.\u003C/p>\n\u003Ch3>Can I merge multiple accounts later on?\u003C/h3>\n\u003Cp>No. Once opened, two Pillar 3A accounts generally cannot be merged. It’s therefore best to plan their structure from the start.\u003C/p>\n\u003Ch2>In summary\u003C/h2>\n\u003Cp>Opening multiple Pillar 3A accounts is a simple strategy that can help you optimize your future withdrawals while gaining flexibility for your various projects.\u003Cbr>The tax impact, however, depends on several factors, including your canton of residence, the amount accumulated, and how you plan your withdrawals.\u003Cbr>\u003Cbr>At Pilla, you can spread your savings across up to five portfolios, each with its own objective and investment strategy, while managing everything centrally through a single app.\u003C/p>",{"name":1983,"type":19,"value":2322,"linkedItems":2323},[152],[2125],{"codename":1375,"collection":42,"id":2325,"language":44,"lastModified":2326,"name":2327,"sitemapLocations":2328,"type":1991,"workflowStep":49},"1ecf85d2-64b7-4201-ae7b-5cd558c7124d","2026-07-23T11:42:46.3711387Z","Blog - Article : Pourquoi est-il recommandé d’ouvrir plusieurs pilier 3A ?",[],{"elements":2330,"system":2377},{"slug":2331,"urlslug":2333,"title":2334,"tags":2336,"media":2349,"video":2359,"resume":2361,"lecture_duration":2367,"content":2368,"blocks":2374},{"name":1932,"type":27,"value":2332},"reduce-your-taxes-with-the-3rd-pillar",{"name":102,"type":103,"value":2332},{"name":92,"type":27,"value":2335},"Reduce your taxes with the 3rd pillar (and yes, it's legal!) ",{"name":1938,"type":19,"value":2337,"linkedItems":2339},[2338],"impot",[2340],{"elements":2341,"system":2344},{"name":2342},{"name":1945,"type":27,"value":2343},"Taxes",{"codename":2338,"collection":42,"id":2345,"language":44,"lastModified":2346,"name":2347,"sitemapLocations":2348,"type":1952,"workflowStep":49},"6a345fef-5dd5-56c5-a285-6381f541390a","2025-08-28T10:41:29.6786585Z","Impôt",[],{"name":212,"type":8,"value":2350},[2351],{"name":2352,"description":2353,"type":217,"size":2354,"url":2355,"width":2356,"height":2357,"renditions":2358},"Article Impôts.webp","Man in a suit smiling and raising his fist in victory while looking at his smartphone in the street.",694066,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/8e6086d1-c63a-4109-ab07-c77f03425156/Article%20Impo%CC%82ts.webp",7680,5120,{},{"name":1964,"type":8,"value":2360},[],{"images":2362,"linkedItemCodenames":2363,"linkedItems":2364,"links":2365,"name":1971,"type":122,"value":2366},[],[],[],[],"\u003Cp>If you're not a fan of paying taxes (we get it), you'll love the 3rd pillar. \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2369,"linkedItemCodenames":2370,"linkedItems":2371,"links":2372,"name":205,"type":122,"value":2373},[],[],[],[],"\u003Cp>The \u003Cstrong>3rd pillar \u003C/strong>is actually a legal and smart way to reduce your taxes in Switzerland while building up a nest egg for your retirement. This pillar is a voluntary savings scheme that differs from the first (AHV) and second pillars (pension fund) and offers numerous tax advantages, as the amounts paid in can be deducted in full from your taxable income. It is generally estimated that you will receive a third of the amount saved on top of this in tax savings. So it's definitely worth it! \u003C/p>\n\u003Cp>\u003Cstrong>How does it work?\u003C/strong> \u003C/p>\n\u003Cp>Each year, you can pay up to a certain amount into your pillar 3a. This contribution amount is deducted from your taxable income. Contributions to a third pillar (whether in the form of the most common \u003Cstrong>pillar 3a\u003C/strong> or the unrestricted \u003Cstrong>pillar 3b\u003C/strong>) can be \u003Cstrong>deducted \u003C/strong>from taxable income. This reduces the amount of tax you have to pay. As a general rule, the more you pay in, the less tax you pay that year. The savings accumulated from year to year are not taxed.  \u003C/p>\n\u003Cp>\u003Cstrong>How does this work in figures?\u003C/strong> \u003C/p>\n\u003Cp>With a \u003Cstrong>pillar 3a\u003C/strong>, the deduction is limited to a certain amount each year: \u003C/p>\n\u003Cp>In 2025, you can pay in up to the following amounts: \u003C/p>\n\u003Cul>\n  \u003Cli>CHF 7,258 if you are affiliated with a second pillar. \u003C/li>\n  \u003Cli>CHF 36,288 if you are not affiliated with a second pillar (e.g. self-employed) \u003C/li>\n\u003C/ul>\n\u003Cp>This can mean tax savings of several hundred or even thousands of pounds. \u003C/p>\n\u003Cp>A simple example: \u003C/p>\n\u003Cp>You earn CHF 80,000 and pay CHF 7,000 into your pillar 3a account. Your taxable income drops to CHF 73,000. The result: you pay less tax this year! And with several 3a accounts, you can optimise even more later on.  \u003C/p>\n\u003Cp>\u003Cstrong>Tax exemption on interest\u003C/strong> \u003C/p>\n\u003Cp>You can win on several fronts. We explain how. In addition to the contribution deduction, the money saved in the pillar 3a benefits from tax-privileged returns, as it is tax-free during the savings phase. Only when the amounts are paid out are they taxed at a reduced rate. \u003C/p>\n\u003Cp>This is where the tax authorities come into play. The progressive tax is relatively low and varies from canton to canton. It amounts to between 5 and 10% of the capital saved, depending on where you live (and not where the bank is based). \u003C/p>\n\u003Cp>Incidentally, it is advisable to open at least two 3a accounts with the same bank. This allows you to withdraw your savings in stages when the time comes, thereby counteracting progressive taxation. We're nice, so we're sharing our tips with you! \u003C/p>\n\u003Cp>Conclusion: With the third pillar, you can not only \u003Cstrong>save on taxes\u003C/strong> today, but also \u003Cstrong>provide for your retirement\u003C/strong>. Proof of its advantages. If you haven't set up a third pillar yet, this is a great way to maximise your tax savings and your financial future. \u003C/p>",{"name":1983,"type":19,"value":2375,"linkedItems":2376},[],[],{"codename":1370,"collection":42,"id":2378,"language":44,"lastModified":2379,"name":2380,"sitemapLocations":2381,"type":1991,"workflowStep":49},"00f34430-a8ac-5aa8-ab1c-05685f459e58","2026-05-07T09:28:29.4087465Z","Blog - Article : Réduis tes impôts grâce au 3e pilier (et oui, c’est légal !)",[],{"elements":2383,"system":2411},{"slug":2384,"urlslug":2385,"title":2386,"tags":2387,"media":2390,"video":2394,"resume":2396,"lecture_duration":2401,"content":2402,"blocks":2408},{"name":1932,"type":27,"value":2332},{"name":102,"type":103,"value":65},{"name":92,"type":27,"value":2335},{"name":1938,"type":19,"value":2388,"linkedItems":2389},[2338],[2340],{"name":212,"type":8,"value":2391},[2392],{"name":2352,"description":2353,"type":217,"size":2354,"url":2355,"width":2356,"height":2357,"renditions":2393},{},{"name":1964,"type":8,"value":2395},[],{"images":2397,"linkedItemCodenames":2398,"linkedItems":2399,"links":2400,"name":1971,"type":122,"value":2366},[],[],[],[],{"name":1974,"type":27,"value":1975},{"images":2403,"linkedItemCodenames":2404,"linkedItems":2405,"links":2406,"name":205,"type":122,"value":2407},[],[],[],[],"\u003Cp>The \u003Cstrong>3rd pillar \u003C/strong>is actually a legal and smart way to reduce your taxes in Switzerland while building up a nest egg for your retirement. This pillar is a voluntary savings scheme that differs from the first (AHV) and second pillars (pension fund) and offers numerous tax advantages, as the amounts paid in can be deducted in full from your taxable income. It is generally estimated that you will receive a third of the amount saved on top of this in tax savings. So it's definitely worth it! \u003C/p>\n\u003Cp>\u003Cstrong>How does it work?\u003C/strong> \u003C/p>\n\u003Cp>Each year, you can pay up to a certain amount into your pillar 3a. This contribution amount is deducted from your taxable income. Contributions to a third pillar (whether in the form of the most common \u003Cstrong>pillar 3a\u003C/strong> or the unrestricted \u003Cstrong>pillar 3b\u003C/strong>) can be \u003Cstrong>deducted \u003C/strong>from taxable income. This reduces the amount of tax you have to pay. As a general rule, the more you pay in, the less tax you pay that year. The savings accumulated from year to year are not taxed.  \u003C/p>\n\u003Cp>\u003Cstrong>How does this work in figures?\u003C/strong> \u003C/p>\n\u003Cp>With a \u003Cstrong>pillar 3a\u003C/strong>, the deduction is limited to a certain amount each year: \u003C/p>\n\u003Cp>In 2025, you can pay in up to the following amounts: \u003C/p>\n\u003Cul>\n  \u003Cli>· CHF 7,258 if you are affiliated with a second pillar. \u003C/li>\n  \u003Cli>· CHF 36,288 if you are not affiliated with a second pillar (e.g. self-employed) \u003C/li>\n\u003C/ul>\n\u003Cp>This can mean tax savings of several hundred or even thousands of pounds. \u003C/p>\n\u003Cp>A simple example: \u003C/p>\n\u003Cp>You earn CHF 80,000 and pay CHF 7,000 into your pillar 3a account. Your taxable income drops to CHF 73,000. The result: you pay less tax this year! And with several 3a accounts, you can optimise even more later on.  \u003C/p>\n\u003Cp>\u003Cstrong>Tax exemption on interest\u003C/strong> \u003C/p>\n\u003Cp>You can win on several fronts. We explain how. In addition to the contribution deduction, the money saved in the pillar 3a benefits from tax-privileged returns, as it is tax-free during the savings phase. Only when the amounts are paid out are they taxed at a reduced rate. \u003C/p>\n\u003Cp>This is where the tax authorities come into play. The progressive tax is relatively low and varies from canton to canton. It amounts to between 5 and 10% of the capital saved, depending on where you live (and not where the bank is based). \u003C/p>\n\u003Cp>Incidentally, it is advisable to open at least two 3a accounts with the same bank. This allows you to withdraw your savings in stages when the time comes, thereby counteracting progressive taxation. We're nice, so we're sharing our tips with you! \u003C/p>\n\u003Cp>Conclusion: With the third pillar, you can not only \u003Cstrong>save on taxes\u003C/strong> today, but also \u003Cstrong>provide for your retirement\u003C/strong>. Proof of its advantages. If you haven't set up a third pillar yet, this is a great way to maximise your tax savings and your financial future. \u003C/p>",{"name":1983,"type":19,"value":2409,"linkedItems":2410},[],[],{"codename":2412,"collection":42,"id":2413,"language":44,"lastModified":2414,"name":2415,"sitemapLocations":2416,"type":1991,"workflowStep":49},"blog___article___reduis_tes_impots_grace_au_3e_pil_6442ade","6442ade4-1461-4930-8a3b-16e1f6f9be14","2025-11-25T14:31:00.6654706Z","Blog - Article : Réduis tes impôts grâce au 3e pilier (et oui, c’est légal !) (copy)",[],{"elements":2418,"system":2452},{"slug":2419,"urlslug":2421,"title":2422,"tags":2424,"media":2427,"video":2434,"resume":2436,"lecture_duration":2442,"content":2443,"blocks":2449},{"name":1932,"type":27,"value":2420},"withdrawing-your-3rd-pillar",{"name":102,"type":103,"value":2420},{"name":92,"type":27,"value":2423},"Withdrawing your 3rd pillar: how, when, and what to watch out for",{"name":1938,"type":19,"value":2425,"linkedItems":2426},[1940],[1942],{"name":212,"type":8,"value":2428},[2429],{"name":2430,"description":16,"type":129,"size":2431,"url":2432,"width":2104,"height":2105,"renditions":2433},"Articles---Visuel-5.png",5365435,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/c24eccd1-b7d7-408d-9c3e-5e4e6a833e97/Articles---Visuel-5.png",{},{"name":1964,"type":8,"value":2435},[],{"images":2437,"linkedItemCodenames":2438,"linkedItems":2439,"links":2440,"name":1971,"type":122,"value":2441},[],[],[],[],"\u003Cp>You’ve been saving for years with your 3rd pillar. And now, you want to access that money. Makes sense. But be careful: withdrawing from your 3rd pillar isn’t something you do randomly. There are rules to follow, exceptions… and a few tips to save on taxes. \u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2444,"linkedItemCodenames":2445,"linkedItems":2446,"links":2447,"name":205,"type":122,"value":2448},[],[],[],[],"\u003Cp>\u003Cstrong>“Normal” Withdrawal: Approaching Retirement\u003C/strong> \u003Cbr>\nGenerally, you can withdraw your 3rd pillar \u003Cstrong>no earlier than 5 years before the AVS retirement reference age.\u003C/strong> \u003Cbr>\nFor your information, from 2028 onwards, the reference age will be the same for both women and men, namely 65. Since 2025, the reference age has been gradually increasing for women. \u003C/p>\n\u003Cp>Of course, you can wait until the official retirement age, or even up to 5 years after (if you continue working, for example). You decide the timing within this window. \u003C/p>\n\u003Cp>\u003Cstrong>“Early” Withdrawal: Exceptional Cases\u003C/strong> \u003Cbr>\nThere are certain situations where you can withdraw your 3rd pillar \u003Cstrong>before retirement\u003C/strong>. This is called an early withdrawal, and it is regulated by law. Authorized cases include: \u003C/p>\n\u003Cp>\u003Cstrong>Buying your primary residence\u003C/strong> \u003Cbr>\nOne of the most common cases. You can use your 3rd pillar to finance the purchase of your main home (not a rental or secondary property). The money can supplement your down payment or repay your mortgage. \u003C/p>\n\u003Cp>\u003Cstrong>Starting a self-employed activity\u003C/strong> \u003Cbr>\nLeaving your salaried job to become self-employed? You can withdraw your 3rd pillar to help launch your business, as long as you’re no longer affiliated with a pension fund. \u003C/p>\n\u003Cp>\u003Cstrong>Leaving Switzerland permanently\u003C/strong> \u003Cbr>\nIf you move abroad permanently, you can access your 3rd pillar. Proof of departure is required (official address change, deregistration, etc.). \u003C/p>\n\u003Cp>\u003Cstrong>Becoming disabled\u003C/strong> \u003Cbr>\nIf you receive a \u003Cstrong>full disability pension\u003C/strong>, you can access your 3rd pillar earlier. Unfortunately, the same applies in case of death: the capital is then passed on to your heirs. \u003C/p>\n\u003Cp>\u003Cstrong>What to Watch Out For\u003C/strong> \u003Cbr>\nEven when withdrawal is allowed, it shouldn’t be done lightly. There are several things to anticipate carefully. \u003C/p>\n\u003Cp>\u003Cstrong>Taxes at the time of withdrawal\u003C/strong> \u003Cbr>\nThe 3rd pillar is tax-deductible during the savings phase, but it is taxed when withdrawn. The good news: \u003Cstrong>it’s taxed at a reduced rate\u003C/strong>, different from your regular income. This rate depends on the canton where you live at the time of withdrawal. \u003C/p>\n\u003Cp>However, beware: if you withdraw a large sum at once, the taxes you pay could be significant due to \u003Cstrong>progressive taxation\u003C/strong>. The higher the amount, the higher the rate. \u003C/p>\n\u003Cp>\u003Cstrong>Timing to avoid unpleasant surprises\u003C/strong> \u003Cbr>\nA simple tip to limit the tax impact: \u003Cstrong>open multiple 3A accounts\u003C/strong>. This allows you to spread withdrawals over several years and smooth out taxation. For example, withdrawing CHF 50,000 from a single account in one year will cost more in taxes than withdrawing CHF 25,000 per year over two years from two different accounts. \u003C/p>\n\u003Cp>\u003Cstrong>One Last Tip from Pilla\u003C/strong> \u003Cbr>\nWithdrawing your 3rd pillar is a key step in your financial planning. It’s best to think about it several years in advance. \u003C/p>\n\u003Cp>\u003Cstrong>Quick Summary:\u003C/strong> \u003C/p>\n\u003Cul>\n  \u003Cli>You can withdraw your 3rd pillar up to 5 years before the AVS retirement reference age. \u003C/li>\n  \u003Cli>Early withdrawals are possible in specific cases (home purchase, self-employment, moving abroad…). \u003C/li>\n  \u003Cli>Consider spreading your withdrawals to avoid heavy taxation. \u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Planning ahead = saving money.\u003C/strong> \u003Cstrong>And at Pilla, we’re here to help you make the right choices. \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2450,"linkedItems":2451},[],[],{"codename":1368,"collection":42,"id":2453,"language":44,"lastModified":2454,"name":2455,"sitemapLocations":2456,"type":1991,"workflowStep":49},"0dbfdb1b-98ab-421d-9d9f-7425e895ced5","2026-05-20T08:58:49.3993641Z","Blog - Article : Retirer ton 3ème pilier : comment, quand, et à quoi faire attention ?",[],{"elements":2458,"system":2492},{"slug":2459,"urlslug":2461,"title":2462,"tags":2464,"media":2467,"video":2474,"resume":2476,"lecture_duration":2482,"content":2483,"blocks":2489},{"name":1932,"type":27,"value":2460},"the-vested-benefits-account",{"name":102,"type":103,"value":2460},{"name":92,"type":27,"value":2463},"The Vested benefits account: what is it really for? ",{"name":1938,"type":19,"value":2465,"linkedItems":2466},[2001],[2003],{"name":212,"type":8,"value":2468},[2469],{"name":2470,"description":16,"type":1957,"size":2471,"url":2472,"width":2019,"height":1960,"renditions":2473},"Articles - Visuel 13.jpg",8092869,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/a0d0a0c0-20f8-4cb3-a80f-dd8f38f76183/Articles%20-%20Visuel%2013.jpg",{},{"name":1964,"type":8,"value":2475},[],{"images":2477,"linkedItemCodenames":2478,"linkedItems":2479,"links":2480,"name":1971,"type":122,"value":2481},[],[],[],[],"\u003Cp>Have you just left your job? Are you moving abroad? Taking a career break or starting your own business? \u003Cbr>\n\u003C/p>",{"name":1974,"type":27,"value":1975},{"images":2484,"linkedItemCodenames":2485,"linkedItems":2486,"links":2487,"name":205,"type":122,"value":2488},[],[],[],[],"\u003Cp>Then your second pillar does not disappear. It simply changes form. It becomes a Vested benefits account.\u003Cstrong> \u003C/strong>\u003C/p>\n\u003Cp>\u003Cstrong>The Vested benefits account: what is it really for?\u003C/strong> \u003C/p>\n\u003Cp>Have you just left your job? Are you moving abroad? Taking a career break or starting your own business? \u003Cbr>\nThen your second pillar does not disappear. It simply changes form. It becomes a Vested benefits account. \u003C/p>\n\u003Cp>\u003Cstrong>What exactly is Vested benefits?\u003C/strong> \u003C/p>\n\u003Cp>When you work in Switzerland, you automatically contribute to the second pillar, also known as occupational pension provision or BVG/LPP. This savings pot is designed to finance your retirement and complements the AHV, the first pillar. \u003Cbr>\nBut what happens to this money when you no longer have an employer paying contributions for you? \u003C/p>\n\u003Cp>Your capital does not vanish. It is transferred to a special account called a Vested benefits account. Think of it as a secure, temporary parking space for your money, while you decide what to do next. \u003C/p>\n\u003Cp>\u003Cstrong>When does a Vested benefits account come into play?\u003C/strong> \u003C/p>\n\u003Cp>A Vested benefits account becomes mandatory as soon as your employer stops paying into your pension fund, in the following situations: \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>you leave your job\u003C/strong> and do not start a new one right away \u003C/li>\n  \u003Cli>\u003Cstrong>you lose your job\u003C/strong> and go through a period of unemployment \u003C/li>\n  \u003Cli>\u003Cstrong>you take a break\u003C/strong> from your professional life, such as a sabbatical or studies \u003C/li>\n  \u003Cli>\u003Cstrong>you move abroad\u003C/strong>, whether temporarily or permanently \u003C/li>\n  \u003Cli>\u003Cstrong>you start a freelance or self-employed activity\u003C/strong> without being affiliated to a mandatory pension fund \u003C/li>\n  \u003Cli>\u003Cstrong>your income falls below the BVG/LPP entry threshold,\u003C/strong> for example due to a significant reduction in working hours \u003C/li>\n\u003C/ul>\n\u003Cp>In short, as soon as your professional situation changes on a long-term basis, your second pillar passes through Vested benefits. \u003C/p>\n\u003Cp>\u003Cstrong>What happens next in practical terms?\u003C/strong> \u003C/p>\n\u003Cp>The money stays in your name, on an account of your choice. You then have several options: \u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>you leave your money on a secure account\u003C/strong>: your capital is protected, but growth will be limited \u003C/li>\n  \u003Cli>\u003Cstrong>you choose to invest it\u003C/strong>: depending on your risk profile, you can opt for more dynamic solutions such as investment funds. This option is particularly interesting if retirement is still far away \u003C/li>\n  \u003Cli>\u003Cstrong>you transfer your assets to your new pension fund \u003C/strong>if you quickly find a new job \u003C/li>\n\u003C/ul>\n\u003Cp>One important point to keep in mind: if you do nothing and leave your capital unattended for two years, it will automatically be transferred to the \u003Ca href=\"https://aeis.ch/en\">BVG/LPP Substitute Occupational Benefit Institution\u003C/a>. This is not always the most attractive solution in terms of fees and returns. So it is better to take action yourself. \u003C/p>\n\u003Cp>\u003Cstrong>How can you find an old, forgotten asset?\u003C/strong> \u003C/p>\n\u003Cp>If you have had several employers in the past, it is possible that you have left behind Vested benefits you are no longer aware of. No stress. There is a simple solution: contact the \u003Ca href=\"https://sfbvg.ch/en/tasks/enquiry-about-occupational-benefit-credit-balances\">Central Office of the 2nd Pillar.\u003C/a> \u003C/p>\n\u003Cp> \u003Cbr>\nThey will provide you with all the information about your former assets free of charge. A quick step to keep track of your retirement savings. \u003C/p>\n\u003Cp>\u003Cstrong>What if you start your own business?\u003C/strong> \u003C/p>\n\u003Cp>If you become self-employed, you can even choose to transfer your capital into a pillar 3A account, provided you do so before the legal retirement age, meaning 64 for women and 65 for men. \u003Cbr>\nThis can be very attractive from a tax perspective, as amounts paid into pillar 3A are tax deductible. \u003C/p>\n\u003Cp>\u003Cstrong>The final tip\u003C/strong> \u003C/p>\n\u003Cp>Take care of your Vested benefits account early on. By planning ahead, you stay in control of your money. You can invest wisely, optimise your taxes and, above all, secure your financial future. \u003Cbr>\nDo not forget that the second pillar represents a significant part of your future retirement income. It is well worth taking it seriously from now on. \u003C/p>\n\u003Cp>At Pilla, we support you at every step. Simply, clearly and without the headache. \u003Cstrong>So, what do you say about taking your future into your own hands? \u003C/strong>\u003C/p>",{"name":1983,"type":19,"value":2490,"linkedItems":2491},[],[],{"codename":1366,"collection":42,"id":2493,"language":44,"lastModified":2494,"name":2495,"sitemapLocations":2496,"type":1991,"workflowStep":49},"d98d2d2c-b260-4168-8ee3-0cd7cf1d9880","2026-07-03T08:22:08.8552717Z","Blog - Article : Le compte de libre passage : à quoi ça sert vraiment ?",[],{"elements":2498,"system":2535},{"slug":2499,"urlslug":2501,"title":2502,"tags":2504,"media":2507,"video":2516,"resume":2518,"lecture_duration":2524,"content":2526,"blocks":2532},{"name":1932,"type":27,"value":2500},"the-end-of-the-rental-value-should-you-pay-off-your-mortgage",{"name":102,"type":103,"value":2500},{"name":92,"type":27,"value":2503},"The End of the Rental Value: Should You Pay Off Your Mortgage?",{"name":1938,"type":19,"value":2505,"linkedItems":2506},[1940],[1942],{"name":212,"type":8,"value":2508},[2509],{"name":2510,"description":16,"type":1957,"size":2511,"url":2512,"width":2513,"height":2514,"renditions":2515},"AdobeStock_215111574 (1).jpeg",4469432,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/c35cfbf9-a98e-4fb7-b1c1-5ff83d1cc8e5/AdobeStock_215111574%20%281%29.jpeg",5545,3762,{},{"name":1964,"type":8,"value":2517},[],{"images":2519,"linkedItemCodenames":2520,"linkedItems":2521,"links":2522,"name":1971,"type":122,"value":2523},[],[],[],[],"\u003Cp>On September 28, 2025, the Swiss public voted: the imputed rental value will be phased out, starting no earlier than 2028. This is good news for many homeowners—but it raises a practical question: Is this the right time to pay off all or part of your mortgage?\u003C/p>",{"name":1974,"type":27,"value":2525},"2",{"images":2527,"linkedItemCodenames":2528,"linkedItems":2529,"links":2530,"name":205,"type":122,"value":2531},[],[],[],[],"\u003Ch2>What’s Changing in Practice\u003C/h2>\n\u003Cp>Today, owning a home comes with a tax cost: the government considers that you “earn” a notional rent by living in your home, and taxes you on it. In return, you can deduct your mortgage interest. In the future, there will be no more rental value, but no deduction either. A mortgage will therefore become less advantageous from a tax perspective.\u003C/p>\n\u003Cp>\u003Cstrong>So, should you pay off your mortgage?\u003C/strong>\u003C/p>\n\u003Cp>Not necessarily—and definitely not in a rush! Here are the questions to ask yourself before deciding:\u003C/p>\n\u003Cul>\n  \u003Cli>\u003Cstrong>Is my money working for me elsewhere\u003C/strong> \u003Cstrong>?\u003C/strong> If your savings generate a return higher than the cost of your mortgage, it’s better to keep them invested. Paying off your loan offers a guaranteed return… but it’s often modest.\u003C/li>\n  \u003Cli>\u003Cstrong>Do I have enough cash on hand?\u003C/strong> Money tied up in real estate is locked away. In the event of unexpected renovations, a financial setback, or a desire to help your children, you can’t just “withdraw” the bricks.\u003C/li>\n  \u003Cli>\u003Cstrong>Where am I in my life?\u003C/strong> As they approach retirement, some homeowners would be wise to reduce their debt. But be careful: once your mortgage balance is very low, it becomes difficult to take out a new one—banks are less enthusiastic.\u003C/li>\n\u003C/ul>\n\u003Cp>\u003Cstrong>Indirect amortization via Pillar 3a: a smart alternative\u003C/strong>\u003C/p>\n\u003Cp>There’s a way to pay off your mortgage while still making your money work for you: indirect amortization through Pillar 3a. The principle is simple: rather than making direct annual payments to the bank, you contribute a sum to a Pillar 3a account or retirement savings plan—up to 7,258 francs per year for someone enrolled in a pension fund in 2026. This amount is fully deductible from your taxable income, resulting in immediate tax savings. The accumulated capital is then used to pay off the mortgage in a lump sum, typically at maturity or upon retirement.\u003C/p>\n\u003Cp>With the elimination of the imputed rental value, this benefit becomes even more significant: even though mortgage interest will no longer be deductible, the 3a deduction remains fully valid. It is therefore a tax tool that survives the reform—and one that allows you to avoid tying up your cash unnecessarily while waiting for the loan to mature.\u003C/p>\n\u003Cp>\u003Cstrong>The Right Approach\u003C/strong>\u003C/p>\n\u003Cp>The reform won’t take effect for a few years, and the question mainly arises when your mortgage matures. Until then, the best approach is to review your overall financial situation with your designated advisor at your bank before making a decision that will have a long-term impact on your assets.\u003C/p>",{"name":1983,"type":19,"value":2533,"linkedItems":2534},[152],[2125],{"codename":1363,"collection":42,"id":2536,"language":44,"lastModified":2537,"name":2538,"sitemapLocations":2539,"type":1991,"workflowStep":49},"723f1172-c00b-4a88-a9dc-ab3da77959cf","2026-06-25T16:28:08.6421385Z","Blog - Article : Fin de la valeur locative: faut-il rembourser son hypothèque ?",[],{"elements":2541,"system":2588},{"slug":2542,"urlslug":2544,"title":2545,"tags":2547,"media":2560,"video":2569,"resume":2571,"lecture_duration":2577,"content":2579,"blocks":2585},{"name":1932,"type":27,"value":2543},"buy-back-pillar-3a",{"name":102,"type":103,"value":2543},{"name":92,"type":27,"value":2546},"From 2026, retroactive buyback of your Pillar 3A gaps",{"name":1938,"type":19,"value":2548,"linkedItems":2550},[2549],"nouveaute",[2551],{"elements":2552,"system":2555},{"name":2553},{"name":1945,"type":27,"value":2554},"New ",{"codename":2549,"collection":42,"id":2556,"language":44,"lastModified":2557,"name":2558,"sitemapLocations":2559,"type":1952,"workflowStep":49},"d9c0641c-ec5e-4e5a-acc1-fe1f6be4d9e0","2026-01-15T10:55:18.8783686Z","Nouveauté",[],{"name":212,"type":8,"value":2561},[2562],{"name":2563,"description":16,"type":1957,"size":2564,"url":2565,"width":2566,"height":2567,"renditions":2568},"AdobeStock_1342937308.jpeg",2342461,"https://assets-eu-01.kc-usercontent.com:443/6011596f-bd46-0111-7c82-7acb5f71428e/fdc8f39c-8311-42df-beb7-23dadd39353c/AdobeStock_1342937308.jpeg",4096,2160,{},{"name":1964,"type":8,"value":2570},[],{"images":2572,"linkedItemCodenames":2573,"linkedItems":2574,"links":2575,"name":1971,"type":122,"value":2576},[],[],[],[],"\u003Cp>The amendment to the legislation (OPO 3), which came into effect last January, allows you to fill any gaps in your Pillar 3A pension savings starting next year.\u003Cbr>\nThis is an opportunity to optimise both your pension savings and your tax situation.\u003C/p>",{"name":1974,"type":27,"value":2578},"Reading time 4 min.",{"images":2580,"linkedItemCodenames":2581,"linkedItems":2582,"links":2583,"name":205,"type":122,"value":2584},[],[],[],[],"\u003Cp>\u003Cstrong>What exactly are the changes?\u003C/strong>\u003C/p>\n\u003Cp>This involves buying back “pension gaps”, which is the difference between what you could have contributed during the year (*) and what you actually paid in.\u003C/p>\n\u003Cp>Maximum allowed amount – amount paid in = gap that can be bought back\u003C/p>\n\u003Cp>Up to now, these unpaid amounts in your Pillar 3A – and the associated tax benefits – were lost as of 1 January of the following year. The new law allows for the purchase of unpaid amounts from the previous 10 years, starting in January 2026, but only from 2025 onwards.\u003C/p>\n\u003Cp>\u003Cem>\u003Csub>Example\u003Cbr>\nHarold has been contributing to a Pillar 3A since 2019. He will not be able to retroactively purchase the unpaid amounts from 2019 to 2024. However, he can purchase the shortfall for 2025 in 2026 (e.g. CHF 3,178 if he contributed CHF 4,080)(*) or do so later. For example, in 2029, he could partially or fully buy back the gaps from 2025, 2026, 2027 and 2028. It's important to keep in mind that if he partially buys back his gap in 2025, for example, CHF 2,000 out of CHF 3,178, the buyback right for CHF 1,178 for 2025 is no longer available.\u003C/sub>\u003C/em>\u003C/p>\n\u003Cp>\u003Cstrong>Why fill pension gaps?\u003C/strong>\u003C/p>\n\u003Cp>Retroactive buybacks of contributions offer two main advantages: a better pension and a tax benefit. First, the amount in your Pillar 3A will effectively strengthen your private pension and increase your pension capital. Second, the amount paid can be deducted retroactively from your taxable income.\u003C/p>\n\u003Cp>\u003Cem>\u003Csub>Example\u003Cbr>\nJean receives a significant salary increase in 2027. She can make up the pension gaps in her Pillar 3A account for 2025 and 2026, which her previous salary did not allow her to contribute to. She can therefore increase her pension savings while benefiting from a substantial tax deduction.\u003C/sub>\u003C/em>\u003C/p>\n\u003Cp>\u003Cstrong>Conditions for the buyback\u003C/strong>\u003C/p>\n\u003Cp>The law provides a strict framework within which the retroactive buyback of pension gaps can be carried out.\u003C/p>\n\u003Ctable>\u003Ctbody>\n  \u003Ctr>\u003Ctd>Employment\u003C/td>\u003Ctd>You receive income subject to AVS contributions and are under 70 years of age at the time of the buyback.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Priority to the present\u003C/td>\u003Ctd>You have already paid the maximum permitted amount for the current year.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Retroactive\u003C/td>\u003Ctd>Pension gaps from 2025 onwards that are less than 10 years old.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Full years\u003C/td>\u003Ctd>A pension gap of one year can only be bought back in a single payment.\u003C/td>\u003C/tr>\n  \u003Ctr>\u003Ctd>Maximum amount\u003C/td>\u003Ctd>The total amount bought back must not exceed the applicable legal annual limit.\u003C/td>\u003C/tr>\n\u003C/tbody>\u003C/table>\n\u003Cp>\u003Cem>\u003Csub>Example\u003Cbr>\nIn 2040, as the applicable maximum amount is CHF 7,500 (fictitious amount), Alan, age 50, wants to buy back his pension gaps. He therefore chooses to buy back 2031 (CHF 4,000), 2032 (CHF 1,000) and 2033 (CHF 2,000).\u003Cbr>\nHe therefore meets all the conditions:\u003Cbr>\n√ He buys back gaps of less than 10 years\u003Cbr>\n√ He buys back full years\u003Cbr>\n√ He pays a total amount equivalent to the current limit (CHF 7,500, maximum fictitious amount)\u003Cbr>\n√ He can do this because he has already contributed CHF 7,000 for the year 2040\u003Cbr>\n√ He receives income subject to AVS contributions and has not yet reached the age of 70\u003C/sub>\u003C/em>\u003C/p>\n\u003Cp>\u003Cstrong>How to proceed with the buyback?\u003C/strong>\u003C/p>\n\u003Cp>As a reminder, it is mandatory to pay the maximum amount for the current calendar year before buying back gaps from the previous year. To apply for a buyback, simply submit a written request directly to your current pension institution. You will then receive instructions to follow. \u003C/p>\n\u003Cp>\u003Cstrong>Conclusion\u003C/strong>\u003C/p>\n\u003Cp>As the name suggests, pension gaps are undesirable, both for your retirement and your tax situation. But they can happen. Retroactive buyback is therefore a great opportunity to seize, starting next year.\u003Cbr>\nIf you haven't yet paid the maximum amount in 2025, you can already schedule a payment for 2026.\u003C/p>\n\u003Cp>\u003Csub>*The maximum amount varies from year to year. In 2025, employees can contribute up to CHF 7,258 and self-employed individuals up to 20% of their annual income, capped at CHF 36,288.\u003C/sub>\u003C/p>",{"name":1983,"type":19,"value":2586,"linkedItems":2587},[],[],{"codename":1364,"collection":42,"id":2589,"language":44,"lastModified":2590,"name":2591,"sitemapLocations":2592,"type":1991,"workflowStep":49},"ef1362dc-9930-4c94-ac16-434c80adb7b4","2026-05-07T09:26:46.4580807Z","Blog - Article : Rachat de tes lacunes de prévoyance",[],{"skip":2594,"count":2595,"limit":2594,"nextPage":65,"totalCount":16},0,14,{"download_cta":2140,"impot":2340,"n2e_pilier_027eb82":2003,"n3e_pillier":1942,"nouveaute":2551,"telecharger_l_app":2125},1784882154163]