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Pillar 3b refers to unrestricted assets. Unlike pillar 3a, pillar 3b is subject to wealth tax and is not tied to retirement. This money can be used or invested at any time, for example as part of online wealth management, in the medium to long term. For this reason, pillar 3b is also referred to as an unrestricted pension provision.

Pillar 3b is the voluntary private pension scheme in Switzerland: no restrictions on deposits or withdrawals, no tax relief on deposits, but tax-free capital payments.

Pillar 3b

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Pillar 3b

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