{"id":7242,"date":"2026-01-07T10:50:48","date_gmt":"2026-01-07T10:50:48","guid":{"rendered":"https:\/\/invexa.ch\/?p=7242"},"modified":"2026-01-07T12:57:59","modified_gmt":"2026-01-07T12:57:59","slug":"3eme-pilier-descartes","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/3rd-descartes-pillar-product-evaluation-and-comparison\/","title":{"rendered":"3rd Pillar Descartes: Product Review and Comparison"},"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>mainly intended for retirement provision, it offers significant tax advantages but imposes certain withdrawal conditions. Amounts paid in are tax-deductible up to the statutory limits (CHF 7,258 for employees affiliated to a pension fund in 2026).<\/p>

2.<\/strong> Pillar 3b (unrestricted pension provision):<\/b><\/a> more flexible, allowing more flexible use of accumulated savings. UBS offers a wide range of products, including investment plans, mutual fund accounts, securities custody accounts and term deposits.<\/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

3rd Pillar A solutions from Descartes<\/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

Descartes proposes a flexible and transparent pillar 3a<\/strong> which enables customers to save while investing, with the aim of supplementing their retirement provision. This is pure savings, with no built-in risk hedging, and returns are dependent on the financial markets.<\/p>

Flexibility and access:<\/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\t\t