The strengths of the Pax 3rd pillar
Safety first, even with funds
The Pax 3rd pillar is security-oriented, with a portion invested in funds and partial capital protection. In the event of negative market performance, your assets are preserved up to a certain threshold. In the event of positive performance, you benefit from the gains generated. A reassuring solution for those who want to invest without too much volatility.
Flexible investment strategy
With the Pax third pillar, you can adapt your investment strategy during the term of the contract. Depending on your risk profile and objectives, you can adjust the balance between security and return, from 10% guarantee to 95%.
A committed mutualist
Pax operates on a cooperative model: profits are reinvested for the benefit of policyholders, not shareholders. It's a solution based on transparency, stability and long-term sustainable values.
What you need to know about Pax 3A and 3B 3rd pillar solutions
📂 So lution names : LifeStar (Mixed 3B), TerzaLifeStar (Mixed 3A),
📂 Type of benefit: 3a / 3b
📈 So lution type: Mixed
📈 Available fund themes World
📈 Possible warranties : From 10% to 95% (in 5% increments)
📈Changing the warranty % after the fact : Only possible if the warranty is reduced✅❌
🌐 Acceptedtés All
🌐 Permits accepted : Permit C, Permit B, Permit Ci
🌐 Cross-border commuters accepted: No ❌
🌐 American nationality accepted : Yes ✅
📆 Minimum term: 10 years
📆 Maximum duration: Up to 5 years after retirement age
📆 Minimum age : From birth, child solution possible
📆 Contract start date : Within the next 3 months
📆 Premium split: Monthly, Quarterly, Semi-annually, Annually
💲 Minimum annual payment CHF 1,200
💲 Premium increase after the fact : Possible after 3 years ✅ if technical rate has not changed.
💲 Additional payments after the fact : Possible ✅
💲 Automatic adjustment of 3a premiums to annual maximums Possible ✅
🤚 Breaks in the contract Possible ✅ and unlimited, after paying at least 1 year up front
🔁Switch between 3A and 3B: Possible ✅, upon payment of first premium
✍ Fund changes after the fact : Possible ✅, free of charge, but very small selection of funds
