3rd Pillar: FIND THE OPTIMAL SOLUTION
24 BANKS AND INSURANCES
We analyze the 3rd Pillar's market for you in a neutral and independent way in order to offer the best solutions possible.
FINMA N° 29719
FINMA is the Swiss Financial Market Supervisory Authority.
3rd Pillar : Our specialists are constantly updated and trained and certified by the Federal official patent.
3a3b.ch is the leader in advisory and finding optimal solutions with regards to 3rd Pillar.
3a3b.ch offers you a team of specialists, as well as a personal advisor, who understands your situation in order to find the solution that is the most suitable in accordance with your wishes and objectives about 3rd Pillar.
3a3b.ch offers a global and neutral insight on the market as a whole. We take advantage of the competition to get the best value out of more than 24 of the biggest actors on the market of third Pillars.
On the path to offering the best solutions on the market, we have become members of the CICERO quality Label Certification, offering a continuous and regular update on the market evolution to always stay informed and accurate.
WE ADAPT TO YOUR NEEDS
OPTIMIZE YOUR RETURN ON INVESTMENT
- Guarantees VS Performance
- What returns to expect ?
- Customized comparative market
COVERAGE & PROTECTION
- 3rd Pillar, Guaranteed minimum capital
- Adjust the level of the death benefit
- Disability annuity in option
WITHDRAWAL OF YOUR 3RD PILLAR & GOAL
- Buy your home
- Become self-employed
- Retirement or Pre-retirement
REDUCE YOUR TAXES
- Splitting of your 3rd Pillar
- Save taxes
- Plan the taxation of your succession
- Traps to avoid
- How to choice your 3rd Pillar
- Establish the order of the beneficiaries
- Analysis of your situation
- Analysis of your desired investment
- Integrate taxation reflection
START YOUR 3RD PILLAR ANALYSIS
RECEIVE OUR 3RD PILLAR GUIDE
RETURN ON INVESTMENT
Your saving must be remunerated to meet your objectives. In recent yaers,
returns is between 2 and 8% have been credited to your pension asset.
We compare and compete to achieve the best possible level of performance.
Good way to access to a globale vision of the market with just one interlocutor.
The 3rd Pillar offers a multitude of opportunities for tax savings that are often
ignored and, above all, misused. You have the opportunity to plan your retirement with your 3rd Pillar and the
over benefits. Mastering the art of tax optimization, because today is the only way to have a
guaranteed interest of the market.
It’s vital to know all aspects of it. For example, it’s possible under certain
conditions to splitte your 3rd Pillar in two. Reduce considerably the taxation at
the time of the withdrawal.
During the analysis, we take into account in every reflection, the family situation
and evaluate with you the most appropriate solutions.
We assist you in all administration part related to the removal of your 3rd Pillar
under the conditions provied by the law.
Apart from the tax aspect, the 3rd Pillar allows you to aim for certain life goals
such as :
Become owner of your home
Become an independent
A retirement or pre retirement
COVERAGE AND INSURANCE
Creating a 3rd Pillar offer some interesting risk coverage opportunities, useful to
protect family members or fill some gaps in coverage.
We offer you a foreisight analysis in order to know and visualize all cases of
We analyze the family aspect in order to determine the best way to compensate
for the deficiences and to offer you the optimal protection.
There are many subtle ways of optimizing your situation based on your status.
It is important to give as much information as possible to get the best advice and
The choice of the way you withdraw is highly variable depending on many
personal factors such as succession, taxes or the exposure to the risks.