{"id":6204,"date":"2025-11-13T10:39:23","date_gmt":"2025-11-13T10:39:23","guid":{"rendered":"https:\/\/invexa.ch\/?p=6204"},"modified":"2026-03-20T15:23:23","modified_gmt":"2026-03-20T15:23:23","slug":"3eme-pilier-bcv-avis-avantages-et-limites-a-connaitre","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/3rd-pillar-bcv-review-advantages-limitations\/","title":{"rendered":"BCV 3rd Pillar: Review, Advantages and Limits in 2026"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

What is the 3rd pillar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

1.<\/strong> Pillar 3a (tied pension provision): <\/b><\/a>primarily intended for retirement<\/a>, it offers significant tax advantages<\/a> by allowing contributions to be deducted from taxable income. For 2025, the maximum amount<\/a> deductible is CHF 7\u2019258<\/strong> for employees affiliated with a pension fund. In return, the capital remains locked in until retirement, except under specific conditions<\/a> (home purchase, moving abroad, starting self-employment).<\/p>

1.<\/strong> Pillar 3a (tied pension provision): <\/b><\/a>intended primarily for Retirement planning<\/a>, it offers significant tax advantages by allowing payments to be deducted from taxable income. For 2025, the maximum deductible amount is CHF 7,258<\/strong> for employees affiliated to a pension fund. In return, the capital remains blocked until retirement, except for conditions<\/a> (buying a home, moving abroad, starting a self-employed business).<\/p>

2.<\/strong> Pillar 3b (flexible pension provision):<\/b><\/a> more flexible, it allows broader use of the accumulated savings through a wide range of investment vehicles (life insurance<\/a>, investment funds, ETFs<\/a>, etc.).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

BCV 3rd pillar solutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

BCV's offering is structured around three complementary products, each designed to meet different needs and risk profiles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

1. Epargne 3: the classic solution<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The Compte \u00c9pargne 3 is the foundation of BCV\u2019s offering. It operates like a traditional savings account<\/strong> with a guaranteed interest rate<\/strong>, currently set at 0.10%<\/strong> per year. This solution is intended primarily for individuals who prioritize absolute capital security or who are approaching retirement.<\/p>

The main advantage lies in its complete flexibility<\/strong>: you contribute what you want, when you want, with no minimum amount or required regular payments. The capital remains accessible under the legal conditions of pillar 3a (retirement, property purchase, self-employment) and is guaranteed up to CHF 100,000 (in the event of bankruptcy).<\/p>

The main drawback is obvious: with a rate of 0.10%<\/strong>, the return is well below inflation, leading to a gradual erosion<\/strong> of purchasing power over the long term. For an investment horizon of more than 10 years, this solution struggles to generate meaningful wealth accumulation. Compare 3a solutions<\/a> to find the best interest rate<\/strong> on the market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t
<\/div>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Main features:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t