Allianz 3rd pillar highlights
Wide choice of solutions and funds
Allianz offers all types of 3rd pillar solutions. From the classic, minimum-risk solution to the 100% funds, maximum-risk solution, not forgetting the mixed solution, for which you choose the level of risk.
Possibility of taking breaks
You have less money available this year for your savings? No problem, Allianz allows you to make as many pauses as you need in your 3rd pillar savings premiums, which is always better than cancelling your commitment!
Flexibility in the guaranteed portion
Allianz makes it easy to adjust the investment rate between more secure options and more dynamic investments, according to your risk tolerance and financial objectives, throughout the life of the contract.
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What you need to know about Allianz 3rd pillar solutions
📂 Solution names : mixed “Smart Invest”, or “100% funds”.
📂 Recommendation : Even when aiming for a high level of risk, we recommend theSmart Invest with 10% guarantee rather than the 100% fund, because the latter is a little archaic and has fewer options, such as pauses. What’s more, both give you access to the same list of backgrounds. Here are the details:
📂 Types of benefits: 3a or 3b
📈 Type of solution: Mixed (one part guarantee, one part fund)
📈 Available fund themes World, Switzerland, Future trends, Europe, Composition according to a list
📈 Possible warranties : 10%, 30%, 50%, 70%, 90%.
✍ Possibility of retrofitting warranty portion: Yes
🌐 Acceptedtés All
🌐 Permits accepted : B permit, C permit, legitimation card, Ci permit
🌐 Cross-border commuters accepted: No ❌
🌐 American nationality accepted : No ❌
📆 Minimum duration: 10 years
📆 Maximum duration: in 3a, 5 years after retirement age
📆 Minimum age : 3a 18 years, 3b 1 year
📆 Possible contract start : 1st of next month
📆 Premium split: Monthly, Quarterly, Semi-annually, Annually
💲 Minimum annual payment CHF 1800
💲 Premium increase after the fact Possible ✅
💲 Additional payments after the fact Possible ✅
💲 Automatic adjustment of 3a premiums to annual maximums Not possible ❌must be requested manually each time
🤚 Breaks in the contract Possible ✅per 1-year period, maximum 1 in the first 5 years, then unlimited
🔁 Switch between 3A and 3B: Possible ✅in both directions, subject to conditions
✍ Change of fund after the fact : Possible ✅, free of charge-
