The 3rd Pillar for cross-border commuters
New article this time about border workers. Over the years, insurance companies have gradually restricted access to the 3rd Pillar for cross-border workers. Currently there are only 2 companies left for cross-border workers wishing to subscribe to a 3rd pillar and in the future it will be impossible to know if these companies will remain open to new contracts. Unfortunately, it is likely that in the future the 3rd pillar will become a privilege reserved for Swiss residents and that it will be permanently closed to cross-border workers. So do not delay, it would be a shame not to be able to take advantage of the many advantages of the 3rd pillar, especially since you benefit from the same advantages as a person residing in Switzerland, which are among others:
- A tax deduction of up to CHF 7,258.- for each calendar year, saving an average of CHF 2,300.- in taxes
- A guaranteed capital at the signing of the contract
- Returns ranging from 3% to 8%
- Saving in Swiss francs — Safe and secure value.
Although the main purpose of 3rd Pillar or to maintain a comfortable standard of living in retirement, it can also be used to finance your home or withdrawn if you leave Switzerland (no longer have a G license). As always, we remain at your disposal to advise you in your choices and offer you comparative tables of the best offers.
