The 3rd Pillar B, or free provident scheme, is a flexible solution that allows you to complete your pension provision while benefiting from tax advantages depending on your canton of residence.

Tax advantages

In the canton of Geneva, you can deduct the premiums paid for the 3rd Pillar B from your taxes. The deductible amount depends on your family situation:

• Single: CHF 2,324.
• Married: CHF 3,486.
• Per dependent child: CHF 951.

These amounts are indicative and may vary according to current legislation.

Flexibility

Unlike Pillar 3a, Pillar 3b offers greater freedom:

• Free choice of beneficiaries
• Possibility of early withdrawal under certain conditions
• Flexible contract duration

For whom?

The 3rd Pillar B is ideal for anyone wishing to save more for their retirement, finance a future project or protect their loved ones, while optimizing their taxation (depending on canton).