3rd Pillar
Whether it’s providing aged care services, funding your children’s education or buying a new home – the third pillar is a great tool for you to easily achieve your goals. If desired, you can talk or arrange a meeting with our specialist who will guide you and advice you from the offer until the signature of your 3rd. pillar. r-finance is neutral and independent. Therefore, we can provide the highest quality advice according to your interests and wishes.
Numerous offers – No overview!
Let’s save time and team up. With you together, we will analyze your needs and wishes and find the perfect offer for you.
Comparison
We analyze your wishes & needs, make a comparison from all offers and show you only the best ones.
Digital or in Person
You decide in which format the consultation is going to take place.
Yield? Tax Savings?
YES! Indeed you can earn yield and save taxes with the 3a pillar.
Start already with CHF 100.-/month.
years experience
consultations per year
%
customer satisfaction
3. Pillar Products
Zero interest on your saving account? Those times are over now.
Our main focus is on yield, to get the most possible return on your third pillar.
3a Fondsgebundene Vorsorge
Safety for your family incl. yield
Starting at CHF 150.– per month
✓ Premium exemption in case of disability
✓ Pension protection possible
✓ Saving on the capital market
✓ Protection for families with guaranteed death capital
3a Kapitalversicherung
Saving with focus on returns
Starting at CHF 150.– per month
✓ Premium exemption in case of disability
✓ Pension protection possible
✓ Saving on the capital market
✓ Multiple investment strategies possible
3a Bankdepot
Saving with focus on returns
from CHF 50.– per month
✗ No premium exemption in the event of incapacity for work
✗No protection of funds
✓ Saving on the capital market
✓ Multiple funds to choose from
3a Bankkonto
Saving with focus on returns
from CHF 50.– per month
✗ No premium exemption in the event of incapacity for work
✗ No protection of funds
✓ Risk-free saving
✓ Save at the current market rate
Frequently Asked Questions
What is the 3rd pillar?
Your private retirement provision. Unlike the 1st or 2nd pillar, payments into the 3rd pillar are voluntary. Those who pay in benefit from more savings capital in old age and benefit from immediate tax advantages.
What are the advantages of pillar 3a?
Pillar 3a is the so-called “tied provision”. This means that you save for your retirement provision or a property. There is a maximum amount that you can pay into pillar 3a annually. Your deposited money can be invested in return-oriented investments while creating tax advantages.
What is the difference between pillar 3a and 3b?
Unlike Pillar 3a, the capital in Pillar 3b is not “tied”. This means that there is no tax advantage with pillar 3b, so you can choose the deposit amount as you like.
What is the maximum amount for pillar 3a?
The maximum amount is CHF 6,883 per year.
How much tax do I save annually when I pay into pillar 3a?
This depends on several factors, such as your annual gross salary and where you live. Contact us to calculate your tax benefit.
What is the 3rd pillar?
Your private retirement provision. Unlike the 1st or 2nd pillar, payments into the 3rd pillar are voluntary. Those who pay in benefit from more savings capital in old age and benefit from immediate tax advantages.
What are the advantages of pillar 3a?
Pillar 3a is the so-called “tied provision”. This means that you save for your retirement provision or a property. There is a maximum amount that you can pay into pillar 3a annually. Your deposited money can be invested in return-oriented investments while creating tax advantages.
What is the difference between pillar 3a and 3b?
Unlike Pillar 3a, the capital in Pillar 3b is not “tied”. This means that there is no tax advantage with pillar 3b, so you can choose the deposit amount as you like.
What is the maximum amount for pillar 3a?
The maximum amount is CHF 6,883 per year.
How much tax do I save annually when I pay into pillar 3a?
This depends on several factors, such as your annual gross salary and where you live. Contact us to calculate your tax benefit.
About R-Finance
Everything related to pillar 3a requires a great deal of knowledge in order to find a tailor-made solution from the wealth of information. That’s what we are specialized in. We bring all topics together and combine the individual advantages to achieve the best possible result.
Your wishes and needs are in the middle of the matter. These form the basis of our activities.
