Is Third Pillar Zurich in the top 10?
Zurich 3rd pillar highlights
High warranty possible
Zurich offers a 3rd pillar solution that combines a low level of participation in the financial markets with a high level of partial capital protection. This means that, even in the event of negative stock market fluctuations, a portion of your savings remains protected. If the markets perform well, you benefit from an attractive return.
Wide choice of funds
Zurich's third pillar offers a wide choice of funds, including passively and actively managed portfolios, sustainable funds and even gold. You can define your risk profile and adjust your investment strategy at any time, keeping you in line with your financial goals and personal investment preferences.
High-performance digital platform
Thanks to the Zurich customer area, you have a complete, real-time view of the evolution of your 3rd pillar. You can monitor performance, adjust payments and change strategy directly online.
What you need to know about Zurich's 3rd pillar solutions 3A and 3B
📂 Solution names : Prévoyance Premium (Mixed), CapitalFund (100% funds),
📂 Recommendation : The two solutions will appeal to diametrically opposed profiles, which is why it’s difficult to recommend one over the other, but here are the details of CapitalFund (100% funds):
📂 Plan type: 3a / 3b
📈 Type of solution: 100% funds
📈 Fund themes available World, Sustainable, Gold, Switzerland, Real estate, …
📈 Possible guarantees : None, but possibility of increasing the bond component to reduce risk
🌐 Acceptedtés All
🌐 Permits accepted : Permit C, Permit B, Permit Ci, Permit L
🌐 Cross-border commuters accepted: No ❌
🌐 American nationality accepted : No ❌
📆 Minimum term: 10 years
📆 Maximum duration: Up to the year of retirement in 3A, up to 5 years after retirement in 3B
📆 Minimum age : 18 in 3A, 13 in 3B
📆 Possible start date : Within the next 3 months
📆 Premium split: Monthly, Quarterly, Semi-annually, Annually
💲 Minimum annual payment CHF 1,200
💲 Bonus increase after the event : Possible ✅
💲 Additional payments after the fact : Possible ✅
💲 Automatic adjustment of 3a premiums to annual maximums Possible ✅
🤚 Breaks in the contract Possible ✅ in periods of 1 year, maximum 3 times in all, must have paid for at least 3 years at outset
🔁 Switch between 3A and 3B: Possible ✅
✍ S ubsequent fund change : Possible ✅free of charge 1 time per year
