BCGE 3rd pillar offer
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Individual pension provision, also known as the 3rd pillar, is primarily designed to supplement the first two pillars, which are often insufficient. It also offers attractive tax advantages. At BCGE, the 3rd pillar is made up of different services to meet everyone's savings and pension expectations.
The BCGE Epargne 3 account
Among the various BCGE 3rd pillar pension services is the Epargne 3 account, which concerns self-employed workers as much as salaried employees. In fact, it allows you to access a comfortable standard of living at retirement age, thanks to the constitution of a capital in addition to the 1st and 2nd pillars.
After an in-depth analysis of your profile, your needs and your expectations, BCGE advisors are able to help you set up an effective pension plan, with a variety of benefits:
- the amount paid annually into the Epargne 3 account is tax-deductible;
- while you're building up your provident capital, the Epargne 3 account is not taxable on wealth;
- assets can be invested with the BCGE provident fund savings plan in investment funds for more attractive returns ;
- you can also use the assets to carry out projects such as buying a property or setting up as a self-employed person;
- the Epargne 3 account allows you to obtain interest bonuses on your savings account, with the BCGE loyalty program;
- your capital is paid out to your beneficiaries in the event of death, without entering the estate.
The Plan Épargne fonds de prévoyance BCGE 3e pilier
To subscribe to a Plan Épargne fonds de prévoyance, certain conditions are required. First, you must have an Épargne 3 account. In addition, combining these two services allows you to improve the performance of your 3rd pillar at BCGE. You will be required to make a minimum initial and monthly payment of CHF 100. You can hold up to five Épargne fonds prévoyance plans and choose up to two Synchrony LPP funds for each plan. These services are aimed at adults working in Switzerland who are contributing to the 1st pillar.
Investing regularly every month will enable you to benefit from very attractive returns over the long term, and thus build up an attractive retirement capital. For added peace of mind, and to put money aside without even thinking about it, you can program a standing order every month, from your BCGE account to your Epargne 3 account.
This provident solution is perfect for moving serenely towards retirement, while helping you realize any projects sooner than planned.
Synchrony LPP Fund services
If you're one of those people who want to invest some or all of your retirement capital in investment funds, the services offered by the specialists at BCGE Asset Management should be of interest to you. This includes more than 35 investment funds managed in Switzerland, suitable for all types of investor profiles, depending on their return objectives and the risks they are prepared to take. BCGE experts are on hand to help you choose the investment strategy best suited to your needs. This may involve pension funds or real estate, for example, or shares or bonds, in Switzerland or elsewhere.
The Synchrony LPP range draws on a number of strengths:
- meticulous care is taken in selecting the best assets;
- diversified investment funds bring more return over the long term and less risk;
- the allocation process is simple;
- total transparency is practiced towards investment fees, values as well as products;
- a quality of service and management that really comes through over the long term.
Thanks to BCGE and its 3rd pillar, you can ensure your retirement provision and a comfortable future, through these various benefits. If risk-taking doesn't seem to be a hindrance, investing can help you achieve your goals more quickly. On the other hand, if you prefer to save in a secure way, turn to the Epargne 3 account. For more information, please contact an advisor.
Updated on: 31.01.2024Written by Joffrey MaitreHead of private provision department at CompareaTo learn more about our team click here.