The
3rd pillar Switzerland is crucial for securing a comfortable retirement. It supplements the mandatory first (state) and second (occupational) pillars, providing individuals with more control over their retirement savings. Contributions to the 3a account are tax-deductible, which can significantly lower your taxable income.
There are two types: 3a (tied) and 3b (flexible). The 3a account restricts withdrawals until retirement, while the 3b account offers greater flexibility. Have you taken advantage of the third pillar for your retirement planning? What strategies have you found effective?