No employer paying in alongside: for provision, you're solely responsible.
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Solely responsible
The first pillar
AHV – but no jobless cover
AHVyou keep paying in
Lower ratefor the self-employed
No covernot insured against unemployment
The second pillar
Voluntary instead of compulsory
Not compulsoryfor the self-employed
Voluntaryassociation or collective foundation
Otherwisethe 2nd pillar is missing entirely
The third pillar
The large pillar 3a
20 %of earned income
Up to 36'288instead of 7'258 francs
Deductiblefully from income
The concentration risk
Not just the business
The businessno safe substitute
Sellingoften harder than expected
Alongsidebuild up your own provision
Good to know
Do you know your gaps?
💡 First step: The self-employed carry their provision alone – with the large pillar 3a and a voluntary pension fund you can build a lot. It's worth planning.