3rd pillar (3a)

Ready to start your 3rd pillar ?

Open your 3rd pillar today and secure your future

Personalized advice tailored to your needs
Competitive terms and conditions and complete transparency
Fast and 100% simplified procedures
Open in 5 minutes
Open my 3rd pillar today

An accessible tool

The 3rd pillar is an integral part of the Swiss pension system. It allows individuals to build retirement savings while benefiting from a tax deduction of up to CHF 7,258 per year (2025 ceiling for employees). Available to anyone who is gainfully employed, it represents a powerful lever for laying the foundations of a long-term wealth strategy. That said, it must be used optimally to unlock its full potential.

An accessible tool

At GIP, we offer several 3a solutions (Mercury, Gemini, Apollo) designed to suit different profiles and levels of market exposure. Each of these portfolios benefits from active and transparent management.

See the brochure for more information.

Invest smartly, not by default

Many 3rd pillar plans are managed in a standardized way, with limited transparency and modest performance. At GIP, we prioritize active management led by investment specialists. The goal: to grow your savings over the long term while giving you greater control, a solution aligned with your profile, and potentially much higher returns than traditional options.

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5x

in potential returns with active management compared to a savings account.

0.65%

in management fees on your pension assets.

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A strategy aligned with your situation

The 3rd pillar should not stand alone. It must be part of a broader financial reflection: vested benefits, real estate, uninvested capital… we assess your situation as a whole. Pillar 3a can be an accessible first step to laying the right foundations. And if tomorrow you wish to go further—invest more, optimize your taxes, or prepare for wealth transfer—you’ll already have a solid framework to build on.

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Ready to start your 3rd pillar ?

Open your 3rd pillar today and secure your future

Personalized advice tailored to your needs
Competitive terms and conditions and complete transparency
Fast and 100% simplified procedures
Open in 5 minutes
Open my 3rd pillar today

Frequently asked questions

0.65% per year.

Yes, you retain full flexibility.

In 2025, up to CHF 7,258 in tax deductions (for employees affiliated with a pension fund).

Yes, when you open your 3a account, we will transfer your old 3a accounts to us.

Yes.

At GIP, 100% of your contribution is invested. With an insurance-based plan, up to 25% may be allocated to risk or coverage fees.

Contact us for a personal discussion