Guide
Legal notice
This notice describes comparateur-3eme-pilier.ch. Only facts already established are asserted. Address, UID and an intermediary status are not invented.
Identification
- Trading name: Comparateur 3ème pilier.
- TODO — legal name is not established in the repository.
- TODO — address is not established in the repository.
- TODO — UID is not established in the repository. Do not invent one.
- Head of content and of the comparison: Christophe Bouin.
- Contact: info@comparateur-3eme-pilier.ch.
Status and register
- TODO — no intermediary status and no FINMA registration is documented. Do not claim one.
- TODO — register URL is not established in the repository.
- TODO — AFA diploma announced on the historical site — not verified. Do not display it until proof is on file.
What the service is
The site publishes general information on the third pillar and collects a comparison request. It is not personal investment advice concluded on this page. About.
Pay
TODO — the comparison is presented as free and without commitment. Any payment by partners is not documented: a human check is required.
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.