Guide
How to choose a third pillar
Choosing a third pillar is not the best rate of the moment. It is lining up the 2026 tax ceiling, a time horizon, a need for protection, and a support you will actually keep. Pillar 3a and pillar 3b do not replace each other. Neither do bank and insurance.
Five questions before the product
- What gap is there between OASI/BVG pensions and the retirement budget?
- Can you aim at the pillar 3a ceiling without emptying your cash reserve?
- Do you need a death capital or a waiver of premium, or only savings?
- Is the horizon under about eight years, or until reference age?
- Canton and status change the tax result.
The wider frame is the Swiss third pillar.
The request form stays in French. It asks for a first name, last name, email, phone and canton. It is free and does not commit you. Open the French form.
Questions
Your questions, answered
The questions people ask before they request a comparison.
Must I reach the pillar 3a ceiling?+−
No. 7'258 CHF or 36'288 CHF is a 2026 maximum deduction, not a target.
Does the site name the best contract?+−
No. There is no ranking. No diploma and no register is displayed: they are not established here.
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.