Guide
About
Christophe Bouin is head of content and of the comparison. The site explains the third pillar from FSIO and FTA texts and takes comparison requests. It does not rank products and does not promise a return.
Who runs the service
Christophe Bouin writes or has the pages checked, and handles comparison requests. Contact: info@comparateur-3eme-pilier.ch. The legal name, address and UID are not published until they are established. See the legal notice.
What is compared
Solutions the service can actually access: fees, payment flexibility, surrender value, death or disability cover, horizon. The site does not claim to list every institution in Switzerland. The comparison methodology says what is read. The source method says where the figures come from. The responsible person is Christophe Bouin.
- Not a replacement for your fiduciary or your pension fund.
- No guaranteed return.
- No FINMA registration is displayed: none is documented.
- TODO — the comparison is presented as free and without commitment. Any payment by partners is not documented: a human check is required.
Questions
Your questions, answered
The questions people ask before they request a comparison.
Is this personal advice?+−
No. The pages describe general rules. A comparison requested through the form is a conversation about your situation, not an asset-management mandate signed on the site.
Where do the figures come from?+−
From the FSIO table of 1 January 2026 and article 7 OPP 3, checked on 6 octobre 2026. From 1 January 2027 the Federal Council sets 7,373 francs with a 2nd pillar and 36,864 francs at most without one. The 20% rate is unchanged. Press release of 2 October 2026: https://www.admin.ch/fr/newnsb/BqB41FVYi5FB.
Official sources
Official sources
- FSIO — The third pillar (article 7 OPP 3) — Small and large contributions. Pillar 3a buy-backs concern gaps from 2025. The first buy-back is possible in 2026.
- FSIO — Amounts valid on 1 January 2026 — OASI pensions, BVG thresholds and 2026 pillar 3a ceilings. Last editorial check: 6 octobre 2026.
- Federal Council — pillar 3a deduction from 1 January 2027 — Press release of 2 October 2026: 7,373 francs with a 2nd pillar, 36,864 francs at most without one. The 20% rate is unchanged.
- FSIO — Your third-pillar contribution — Maximum with a 2nd pillar, or 20% of income inside the limit without one. The credit counts on 31 December for the tax year.
- FTA — Circular 18a (taxation of pillar 3a) — Tax on capital at withdrawal, staggering, transfer to the 2nd pillar.
- FTA — Pillar 3b life policies that can be surrendered — Flexible provision is not one single tax story. A policy follows the contract and the canton.
- FSIO — OPP 3 change (beneficiaries) — The FSIO announced a wider choice of pillar 3a beneficiaries from 1 June 2027. The applicable detail is on that page, not in a ceiling figure.
- OASI/disability information centre — Pensions, the 13th old-age pension, reference age and the transitional generation.
Editorial review on 6 octobre 2026. Pillar 3a ceilings cited for 2026, from the FSIO table. From 1 January 2027 the Federal Council sets 7,373 francs with a 2nd pillar and 36,864 francs at most without one. The 20% rate is unchanged. Press release of 2 October 2026: https://www.admin.ch/fr/newnsb/BqB41FVYi5FB. Cantonal pillar 3b amounts can change from one tax notice to the next. This is not personal advice.