Life Stories

A self-determined life in old age requires private provisions arranged as early as possible. The third pillar represents a big step towards financial security. While the funds you invest in pillar 3a are tied up over the longer term, you are free to use the capital in your pillar 3b. Swiss Life answers the most important questions related to this topic.

With the 1e pension plan, employees can decide in a self-determined manner how part of their pension plan savings is invested and which investment strategy can optimise the return of their pension fund.

When it comes to their employees’ financial future and occupational provisions, entrepreneurs and pension fund committees have an important decision to make. If they do not have their own pension fund, they join a collective foundation. Here, they can choose between two models: full insurance and semi-autonomy. But what’s the difference? We explain the advantages and disadvantages of the two pension solutions.