What is the difference between Pillar 3a and Pillar 3b?
Pillar 3a is a tied, tax-privileged private pension plan. It is open to all employed or self-employed persons aged 18 and over with income subject to AHV contributions. With your payments, you can accumulate tax-privileged retirement capital each year, which you can later draw as a retirement pension or lump-sum payment.
Like Pillar 3a, Pillar 3b is a form of private pension provision. Unlike pillar Pa, Pillar 3b is not tied to retirement, but can also be used for medium and long-term savings goals. It is therefore also referred to as a free or unbound pension plan. Pillar 3b funds can be invested freely, for example through an online asset management mandate.
More questions in "Pillar 3a"
How much does True Wealth's Pillar 3a cost?Why is True Wealth able to offer a securities-based Pillar 3a for free when other providers charge?Will I get the Swiss withholding tax on Pillar 3a investments back?How can True Wealth offer an interest rate of 0.55%?Is True Wealth planning to increase fees in the future?Where can I find the tax return documents?How large are the FX spreads on Pillar 3a from True Wealth?How often is the interest paid out and where can I see this?Pillar 3a processing dates over the 2025/2026 holidaysCan I also transfer my 3a accounts from other providers to True Wealth?How much money should be in each Pillar 3a account?For what reasons can Pillar 3a be paid out early?Can I have my Pillar 3a transferred from True Wealth to another provider?When can I liquidate my Pillar 3a?How can I withdraw my Pillar 3a?What happens to Pillar 3a in the event of death?How is the Pillar 3a payout taxed?Until when do the Pillar 3a funds have to be withdrawn at the latest?Does True Wealth's staggered withdrawal system guarantee me a maximum tax deduction?Where can I see how my Pillar 3a assets are distributed among the various accounts?What happens to my Pillar 3a if I leave Switzerland?What is the maximum Pillar 3a amount for 2025?I am self-employed and can pay more than CHF 7’258 into my Pillar 3a. Is this possible with True Wealth?I already use True Wealth's Pillar 3a and have paid in the maximum annual contribution. Now I would like to transfer an additional amount from another provider to True Wealth. How does this affect the staggering of the accounts?Why should you choose True Wealth's Pillar 3a?Is there also a Pillar 3a app?How long does it take to open my Pillar 3a with True Wealth?Is there a minimum contract term with True Wealth?Can I also use True Wealth's Pillar 3a without investing in free asset management?At what age can I start paying into Pillar 3a?Can I make retroactive contributions to a Pillar 3a account?Can I continue to pay contributions into Pillar 3a after retirement?Why can't different investment strategies be chosen for the untied assets and the Pillar 3a?Does the deposit insurance also apply to my Pillar 3a assets?How exactly does True Wealth's auto top-up system work?Does True Wealth also use index funds exempt from withholding tax in Pillar 3a?Why are past returns not an indicator of future returns?If True Wealth already opens at least five 3a accounts and I have other 3a accounts with other providers, isn't that a problem?How often does the rebalancing of the Pillar 3a account take place?Does True Wealth also use fractional shares?Can I hold the same number of shares and the same amount of foreign currency in my Pillar 3a as in my free assets?What is pooling and netting and how does it benefit me as a client?Does True Wealth engage in securities lending in Pillar 3a?I want to be 100% invested in cash for the moment. How can I adjust my investment strategy?Where can I view the regulations of the 3a Digital Pension Foundation?Where is the «Pension Foundation 3a Digital» based and how is it supervised?How is True Wealth regulated and where are my pension assets held?Which is better for Pillar 3a, ETFs or index funds?
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