Is Generali one of the top 10 third pillars?
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
📂 Solution names : Flex (Mixed), Performa (100% funds), Scala (100% funds)
📂 Recommendation : The Flex solution gives you a great deal of freedom in your choice of warranty:
📂 Plan type: 3a / 3b
📈 Solution type: Mixed
📈 Available fund themes World (Multi Index), Sustainable (Tomorrow invest)
📈 Possible guarantees : From 5% to 90%.
✍ Possibility of retrofitting the warranty portion: Yes ✅
🌐 Acceptedtés All
🌐 Permits accepted : Permit B, Permit C, Permit Ci
🌐 Cross-border commuters accepted: No ❌
🌐 American nationality accepted : Yes ✅
📆 Minimum term: 15 years
📆 Maximum term: 45 years in total and end of contract up to 5 years after retirement age
📆 Minimum age : 18
📆 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 fact : Impossible ❌
💲 Additional payments after the fact : Impossible ❌
💲 Automatic adjustment of 3a premiums to annual maximums Possible ✅
🤚 Breaks in the contract Possible ✅per 2-year period, maximum 2 in all, after payment of at least 3 annual premiums
🔁 Switch between 3A and 3B: Possible ✅from the start of the contract
✍ Changing funds after the fact : Possible ✅but very small choice of funds
