Pillar 3b
Free private savings and investments outside the pension system, with no lock-up and, in most cantons, no special tax break.
For a FIRE plan, 3b is usually your accessible money: the investments that carry you through the bridge years before pensions start.
Related terms
- Pillar 3aTax-advantaged private pension savings: contributions are deducted from taxable income, withdrawals are taxed separately at a reduced rate.
- Three pillarsThe Swiss pension system: AHV (state), BVG (occupational) and private savings (3a and 3b).
- Index fundA fund that tracks a market index, such as world shares, instead of picking stocks, usually at low cost.
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Swiss pensions
The three pillars when you retire early
AHV, pension fund and Pillar 3a: what each one pays, when you can reach it and what that means if you stop working before 65.