Bâloise's 3rd pillar strengths
A solution immune to bad years
Bâloise offers a 3rd pillar product which we call "Classique 2.0", and which is available only from SwissLife. Here's how it works: if your fund investment has a negative year, your money neither makes a profit nor a loss. On the other hand, if the year is positive, your money will generate a small profit.
Possibility of taking breaks
Bâloise offers you the option of taking up to 3 one-year breaks in premium payments on your 3rd pillar 3a policy, enabling you to temporarily suspend your contributions without terminating your policy. This flexibility is particularly useful in the event of unforeseen financial changes.
Can be switched between 3A and 3B
Bâloise makes it easy to switch from a 3rd pillar 3a policy to a 3rd pillar 3b policy, and vice versa, as your needs and tax situation change.
100% Free
Neutral and Transparent
Made-to-measure
What you need to know about Bâloise 3rd pillar solutions
📂 Solution names : Bâloise Safe Plan 100, for the classic 2.0 and Bâloise Fonds Plan for the 100% fonds
📂 Recommendation : Safe Plan 100 is a solid choice among low-risk solutions, here are the details:
📂 Type of benefit: 3a
📈 Solution type: Mixed 2.0 (large part warranty, small part yield)
📈 Available fund themes World
📈 Possible guarantees : equivalent to ~90%.
✍ Possibility of retrofitting the warranty portion: No ❌
🌐 Acceptedtés All
🌐 Permits accepted : Permit B, Permit C, Permit Ci
🌐 Cross-border commuters accepted: No ❌
🌐 American nationality accepted : Yes ✅
📆 Minimum duration: 10 years
📆 Maximum duration: up to 5 years after retirement age
📆 Minimum age : 18 years
📆 Possible contract start : Within the next 2 months
📆 Premium split: Monthly, Quarterly, Semi-annually, Annually
💲 Minimum annual payment CHF 1,200
💲 Increase in premium after the fact Unknown
💲 Additional payments after the fact Possible ✅
💲 Automatic adjustment of 3a premiums to annual maximums Possible ✅
🤚 Breaks in the contract Possible ✅per 1-year period, maximum 3 in all and after payment of at least 1 annual premium
🔁 Switch between 3A and 3B: Possible ✅, after 3 years
✍ Change of background after the fact : No because only one background is available
