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The strengths of the Generali 3rd pillar

Optimized growth with integrated protection

Generali offers an innovative 3rd pillar solution that combines investment in funds with partial capital security. If the markets fall, part of your capital remains protected, while if they rise, you benefit from the potential returns of the financial markets. A balanced approach for those seeking to grow their savings without taking excessive risks.

Flexibility on the secured portion

With Generali, you can adapt the secured portion of your mixed solution: increasing or decreasing it according to your propensity for risk or market trends. This flexibility is very useful, for example, if you need to pledge your third pillar for a property purchase.

Access to responsible funds

Generali offers a range of funds incorporating environmental, social and governance (ESG) criteria. So you can invest for your future while supporting sustainable, responsible companies.

What you need to know about Generali's 3rd pillar solutions 3A and 3B

πŸ“‚ Solution names : Flex (Mixed), Performa (100% funds), Scala (100% funds)

πŸ“‚ Recommendation : The Flex solution gives you a great deal of freedom in your choice of warranty:

πŸ“‚ Plan type: 3a / 3b

πŸ“ˆ Solution type: Mixed

πŸ“ˆ Available fund themes World (Multi Index), Sustainable (Tomorrow invest)

πŸ“ˆ Possible guarantees : From 5% to 90%.

✍ Possibility of retrofitting the warranty portion: Yes βœ…

🌐 Acceptedtés All

🌐 Permits accepted : Permit B, Permit C, Permit Ci

🌐 Cross-border commuters accepted: No ❌

🌐 American nationality accepted : Yes βœ…

πŸ“† Minimum term: 15 years

πŸ“† Maximum term: 45 years in total and end of contract up to 5 years after retirement age

πŸ“† Minimum age : 18

πŸ“† Possible start date : Within the next 3 months

πŸ“† Premium split: Monthly, Quarterly, Semi-annually, Annually

πŸ’² Minimum annual payment CHF 1,200

πŸ’² Bonus increase after the fact : Impossible ❌

πŸ’² Additional payments after the fact : Impossible ❌

πŸ’² Automatic adjustment of 3a premiums to annual maximums Possible βœ…

🀚 Breaks in the contract Possible βœ…per 2-year period, maximum 2 in all, after payment of at least 3 annual premiums

πŸ” Switch between 3A and 3B: Possible βœ…from the start of the contract

✍ Changing funds after the fact : Possible βœ…but very small choice of funds

Other articles on 3rd pillar 3A and 3B