{"id":3023,"date":"2025-10-17T12:42:18","date_gmt":"2025-10-17T12:42:18","guid":{"rendered":"https:\/\/plus-group.ch\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/"},"modified":"2025-11-14T09:57:46","modified_gmt":"2025-11-14T09:57:46","slug":"a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar","status":"publish","type":"post","link":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/","title":{"rendered":"A Minor Revolution Is on the Horizon for the 3rd Pillar"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1365\" height=\"2048\" src=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1.jpg\" alt=\"\" class=\"wp-image-1747\" style=\"border-radius:5px\" srcset=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1.jpg 1365w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1-200x300.jpg 200w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1-683x1024.jpg 683w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1-768x1152.jpg 768w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/pawel-czerwinski-Y0qPpeO5Us-unsplash-scaled-1-1024x1536.jpg 1024w\" sizes=\"(max-width: 1365px) 100vw, 1365px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\">Finally, the possibility to buy back into the 3rd pillar!<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">What was previously the golden rule of the 3rd pillar, namely, the impossibility of paying in more than CHF 6,883 for individuals affiliated with a pension fund, and CHF 34,416 for others, as well as being limited to contributing for the current year only, will very likely soon be a thing of the past.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Following a motion submitted by Obwalden MP Erich Ettlin in favour of retroactive contributions, both the National Council and the Council of States have approved an amendment to the law. This motion is expected to be implemented in 2023, but no precise date is known to date.<\/p>\n<\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-default\" style=\"margin-top:20px;margin-bottom:20px;background-color:#eeeeee;color:#eeeeee\"\/>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60.66%\">\n<h2 class=\"wp-block-heading\">What will be possible ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To manage this minor revolution in the pension system, legislators have established several clear rules. Firstly, the contributor must be at least 25 years old and have a regular income subject to OASI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Second, retroactive payments into a 3rd pillar account will only be permitted once every five years, and the amount may not exceed CHF 34,416. The good news for savers is that these payments will still be tax-deductible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to remember, however, that these funds remain blocked until the holder\u2019s retirement and can only be withdrawn early for the purchase of a primary residence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Interested in this new development? Please do not hesitate to contact us. Our experts at Plus Assurance &amp; SME will be happy to assist you in setting up your 3<sup>rd<\/sup> pillar.<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full has-custom-border is-style-default\"><img decoding=\"async\" width=\"910\" height=\"1200\" src=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/aykut-eke-dR4yIGpkEy8-unsplash-scaled-1.webp\" alt=\"\" class=\"wp-image-1748\" style=\"border-radius:5px\" srcset=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/aykut-eke-dR4yIGpkEy8-unsplash-scaled-1.webp 910w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/aykut-eke-dR4yIGpkEy8-unsplash-scaled-1-228x300.webp 228w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/aykut-eke-dR4yIGpkEy8-unsplash-scaled-1-777x1024.webp 777w, https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/aykut-eke-dR4yIGpkEy8-unsplash-scaled-1-768x1013.webp 768w\" sizes=\"(max-width: 910px) 100vw, 910px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Perhaps you have not always been consistent with your 3rd pillar contributions throughout your professional life. And now, your annual payments are capped by law. Do not despair, as this 50-year-old rule looks set to change very soon\u2026<\/p>\n","protected":false},"author":1,"featured_media":3024,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_wpar_exclude":false,"_wpar_custom_md":"","_wpar_excluded_bots":[],"_wpar_exclude_summarize":false,"_wpar_custom_summarize_label":"","_wpar_hide_google_source":false,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-3023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plus-insurance-smes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA\" \/>\n<meta property=\"og:description\" content=\"Perhaps you have not always been consistent with your 3rd pillar contributions throughout your professional life. And now, your annual payments are capped by law. Do not despair, as this 50-year-old rule looks set to change very soon\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/\" \/>\n<meta property=\"og:site_name\" content=\"PLUS-SA\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-17T12:42:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-14T09:57:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"PLUS-SA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"PLUS-SA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/\"},\"author\":{\"name\":\"PLUS-SA\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#\\\/schema\\\/person\\\/05ea5b74a35ca990a6781cff00fe623d\"},\"headline\":\"A Minor Revolution Is on the Horizon for the 3rd Pillar\",\"datePublished\":\"2025-10-17T12:42:18+00:00\",\"dateModified\":\"2025-11-14T09:57:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/\"},\"wordCount\":251,\"publisher\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg\",\"articleSection\":[\"Plus Insurance &amp; SMEs\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/\",\"name\":\"A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg\",\"datePublished\":\"2025-10-17T12:42:18+00:00\",\"dateModified\":\"2025-11-14T09:57:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#primaryimage\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg\",\"contentUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg\",\"width\":2048,\"height\":1365},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"A Minor Revolution Is on the Horizon for the 3rd Pillar\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/\",\"name\":\"PLUS-SA\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Organization\",\"FinancialService\",\"ProfessionalService\"],\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\",\"name\":\"Groupe Plus\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Plus-SA-logo-NB.jpg\",\"contentUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Plus-SA-logo-NB.jpg\",\"width\":400,\"height\":203,\"caption\":\"PLUS-SA\"},\"image\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"legalName\":\"PLUS-SA SA\",\"alternateName\":[\"PLUS-SA\",\"Plus Groupe\",\"Plus Financement Immobilier\"],\"description\":\"Financial advisor and mortgage broker in Lausanne and French-speaking Switzerland: mortgages, insurance, fiduciary, tax and family office under one roof.\",\"foundingDate\":\"2013-08-23\",\"identifier\":{\"@type\":\"PropertyValue\",\"propertyID\":\"CH-UID\",\"value\":\"CHE-320.698.592\"},\"telephone\":\"+41 21 552 03 10\",\"email\":\"info@plus-group.ch\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Galeries Benjamin-Constant 1\",\"postalCode\":\"1003\",\"addressLocality\":\"Lausanne\",\"addressRegion\":\"VD\",\"addressCountry\":\"CH\"},\"geo\":{\"@type\":\"GeoCoordinates\",\"latitude\":46.5193359,\"longitude\":6.6370949},\"hasMap\":\"https:\\\/\\\/www.google.com\\\/maps?cid=6875160002793289164\",\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"08:00\",\"closes\":\"12:00\"},{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"13:30\",\"closes\":\"17:00\"}],\"areaServed\":[{\"@type\":\"AdministrativeArea\",\"name\":\"Canton de Vaud\"},{\"@type\":\"AdministrativeArea\",\"name\":\"Canton de Gen\u00e8ve\"},{\"@type\":\"AdministrativeArea\",\"name\":\"Canton de Fribourg\"},{\"@type\":\"AdministrativeArea\",\"name\":\"Canton de Neuch\u00e2tel\"},{\"@type\":\"AdministrativeArea\",\"name\":\"Canton de Valais\"}],\"knowsAbout\":[\"real estate financing\",\"mortgage brokerage\",\"SARON rate\",\"property purchasing capacity\",\"insurance\",\"fiduciary services\",\"family office\"],\"founder\":[{\"@type\":\"Person\",\"name\":\"Fabrizio Sahin\",\"jobTitle\":\"Partner, lecturer at USPI Vaud\",\"worksFor\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/fabrizio-sahin-98688b87\"]},{\"@type\":\"Person\",\"name\":\"Douglas Bergstr\u00f6m\",\"jobTitle\":\"Partner, lecturer at USPI Vaud\",\"worksFor\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/douglas-b-218a1849\\\/\"]},{\"@type\":\"Person\",\"name\":\"Livio Campagna\",\"jobTitle\":\"Partner, lecturer at USPI Vaud\",\"worksFor\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/livio-campagna-22422759\"]},{\"@type\":\"Person\",\"name\":\"Oscar Nu\u00f1ez\",\"jobTitle\":\"Partner, lecturer at USPI Vaud\",\"worksFor\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/oscar-nu%C3%B1ez-4857b61b9\\\/\"]}],\"department\":[{\"@type\":[\"FinancialService\",\"ProfessionalService\"],\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#bureau-geneve\",\"name\":\"Groupe Plus \u2014 Gen\u00e8ve\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/\",\"telephone\":\"+41 22 343 30 30\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Immeuble Alto, Esplanade de Pont-Rouge 9A\",\"postalCode\":\"1212\",\"addressLocality\":\"Lancy\",\"addressRegion\":\"GE\",\"addressCountry\":\"CH\"},\"geo\":{\"@type\":\"GeoCoordinates\",\"latitude\":46.1866463,\"longitude\":6.1260297},\"hasMap\":\"https:\\\/\\\/www.google.com\\\/maps?cid=8854659137987823647\",\"sameAs\":[\"https:\\\/\\\/www.google.com\\\/maps?cid=8854659137987823647\"],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"08:00\",\"closes\":\"17:00\"}],\"parentOrganization\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"}},{\"@type\":[\"FinancialService\",\"ProfessionalService\"],\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#bureau-neuchatel\",\"name\":\"Groupe Plus \u2014 Neuch\u00e2tel\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/\",\"telephone\":\"+41 32 710 03 10\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Rue de la Fabrique 2\",\"postalCode\":\"2016\",\"addressLocality\":\"Cortaillod\",\"addressRegion\":\"NE\",\"addressCountry\":\"CH\"},\"geo\":{\"@type\":\"GeoCoordinates\",\"latitude\":46.9450867,\"longitude\":6.8577568},\"hasMap\":\"https:\\\/\\\/www.google.com\\\/maps?cid=12815629461758195602\",\"sameAs\":[\"https:\\\/\\\/www.google.com\\\/maps?cid=12815629461758195602\"],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"09:00\",\"closes\":\"17:00\"}],\"parentOrganization\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"}},{\"@type\":[\"FinancialService\",\"ProfessionalService\"],\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#bureau-fribourg\",\"name\":\"Groupe Plus \u2014 Fribourg\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/\",\"telephone\":\"+41 26 321 20 21\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Route du Jura 41A\",\"postalCode\":\"1700\",\"addressLocality\":\"Fribourg\",\"addressRegion\":\"FR\",\"addressCountry\":\"CH\"},\"geo\":{\"@type\":\"GeoCoordinates\",\"latitude\":46.8097498,\"longitude\":7.1469024},\"hasMap\":\"https:\\\/\\\/www.google.com\\\/maps?cid=17824209231742320958\",\"sameAs\":[\"https:\\\/\\\/www.google.com\\\/maps?cid=17824209231742320958\"],\"openingHoursSpecification\":[{\"@type\":\"OpeningHoursSpecification\",\"dayOfWeek\":[\"Monday\",\"Tuesday\",\"Wednesday\",\"Thursday\",\"Friday\"],\"opens\":\"08:00\",\"closes\":\"17:00\"}],\"parentOrganization\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"}}],\"hasOfferCatalog\":{\"@type\":\"OfferCatalog\",\"name\":\"Groupe Plus services\",\"itemListElement\":[{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/acquisition\\\/#service\",\"name\":\"Mortgage brokerage\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/acquisition\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/renewal\\\/#service\",\"name\":\"Mortgage renewal\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/renewal\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/real-estate-development\\\/#service\",\"name\":\"Real estate development\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/real-estate-development\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/mortgage-calculator-2\\\/#service\",\"name\":\"Swiss mortgage calculator\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/mortgage-calculator-2\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/individuals\\\/#service\",\"name\":\"Insurance for individuals\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/individuals\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/companies\\\/#service\",\"name\":\"Insurance for companies and SMEs\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/companies\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/fiduciary\\\/#service\",\"name\":\"Fiduciary services for SMEs\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/fiduciary\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/tax-legal\\\/#service\",\"name\":\"Tax & Legal\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/tax-legal\\\/\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/family-office\\\/#service\",\"name\":\"Family Office\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/family-office\\\/\"}}]},\"sameAs\":[\"https:\\\/\\\/www.google.com\\\/maps?cid=6875160002793289164\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/plus-sa\",\"https:\\\/\\\/www.facebook.com\\\/Groupe.Plus\",\"https:\\\/\\\/www.instagram.com\\\/groupe.plus_\",\"https:\\\/\\\/www.local.ch\\\/fr\\\/d\\\/lausanne\\\/1003\\\/financements\\\/groupe-plus-wEGfqz2YTKp1EYjutHnbFA\",\"https:\\\/\\\/www.moneyhouse.ch\\\/fr\\\/company\\\/plus-sa-sa-6412552861\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#\\\/schema\\\/person\\\/05ea5b74a35ca990a6781cff00fe623d\",\"name\":\"PLUS-SA\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g\",\"caption\":\"PLUS-SA\"},\"sameAs\":[\"https:\\\/\\\/plus-group.ch\"],\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/author\\\/plus-sa\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/","og_locale":"en_US","og_type":"article","og_title":"A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA","og_description":"Perhaps you have not always been consistent with your 3rd pillar contributions throughout your professional life. And now, your annual payments are capped by law. Do not despair, as this 50-year-old rule looks set to change very soon\u2026","og_url":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/","og_site_name":"PLUS-SA","article_published_time":"2025-10-17T12:42:18+00:00","article_modified_time":"2025-11-14T09:57:46+00:00","og_image":[{"width":2048,"height":1365,"url":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg","type":"image\/jpeg"}],"author":"PLUS-SA","twitter_card":"summary_large_image","twitter_misc":{"Written by":"PLUS-SA","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#article","isPartOf":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/"},"author":{"name":"PLUS-SA","@id":"https:\/\/plus-group.ch\/en\/#\/schema\/person\/05ea5b74a35ca990a6781cff00fe623d"},"headline":"A Minor Revolution Is on the Horizon for the 3rd Pillar","datePublished":"2025-10-17T12:42:18+00:00","dateModified":"2025-11-14T09:57:46+00:00","mainEntityOfPage":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/"},"wordCount":251,"publisher":{"@id":"https:\/\/plus-group.ch\/#organization"},"image":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#primaryimage"},"thumbnailUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg","articleSection":["Plus Insurance &amp; SMEs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/","url":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/","name":"A Minor Revolution Is on the Horizon for the 3rd Pillar - PLUS-SA","isPartOf":{"@id":"https:\/\/plus-group.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#primaryimage"},"image":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#primaryimage"},"thumbnailUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg","datePublished":"2025-10-17T12:42:18+00:00","dateModified":"2025-11-14T09:57:46+00:00","breadcrumb":{"@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#primaryimage","url":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg","contentUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/darryl-low-pXqZs5TG2HU-unsplash-scaled-1.jpg","width":2048,"height":1365},{"@type":"BreadcrumbList","@id":"https:\/\/plus-group.ch\/en\/a-minor-revolution-is-on-the-horizon-for-the-3rd-pillar\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/plus-group.ch\/en\/"},{"@type":"ListItem","position":2,"name":"A Minor Revolution Is on the Horizon for the 3rd Pillar"}]},{"@type":"WebSite","@id":"https:\/\/plus-group.ch\/en\/#website","url":"https:\/\/plus-group.ch\/en\/","name":"PLUS-SA","description":"","publisher":{"@id":"https:\/\/plus-group.ch\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/plus-group.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Organization","FinancialService","ProfessionalService"],"@id":"https:\/\/plus-group.ch\/#organization","name":"Groupe Plus","url":"https:\/\/plus-group.ch\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/plus-group.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/08\/Plus-SA-logo-NB.jpg","contentUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/08\/Plus-SA-logo-NB.jpg","width":400,"height":203,"caption":"PLUS-SA"},"image":{"@id":"https:\/\/plus-group.ch\/en\/#\/schema\/logo\/image\/"},"legalName":"PLUS-SA SA","alternateName":["PLUS-SA","Plus Groupe","Plus Financement Immobilier"],"description":"Financial advisor and mortgage broker in Lausanne and French-speaking Switzerland: mortgages, insurance, fiduciary, tax and family office under one roof.","foundingDate":"2013-08-23","identifier":{"@type":"PropertyValue","propertyID":"CH-UID","value":"CHE-320.698.592"},"telephone":"+41 21 552 03 10","email":"info@plus-group.ch","address":{"@type":"PostalAddress","streetAddress":"Galeries Benjamin-Constant 1","postalCode":"1003","addressLocality":"Lausanne","addressRegion":"VD","addressCountry":"CH"},"geo":{"@type":"GeoCoordinates","latitude":46.5193359,"longitude":6.6370949},"hasMap":"https:\/\/www.google.com\/maps?cid=6875160002793289164","openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"08:00","closes":"12:00"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"13:30","closes":"17:00"}],"areaServed":[{"@type":"AdministrativeArea","name":"Canton de Vaud"},{"@type":"AdministrativeArea","name":"Canton de Gen\u00e8ve"},{"@type":"AdministrativeArea","name":"Canton de Fribourg"},{"@type":"AdministrativeArea","name":"Canton de Neuch\u00e2tel"},{"@type":"AdministrativeArea","name":"Canton de Valais"}],"knowsAbout":["real estate financing","mortgage brokerage","SARON rate","property purchasing capacity","insurance","fiduciary services","family office"],"founder":[{"@type":"Person","name":"Fabrizio Sahin","jobTitle":"Partner, lecturer at USPI Vaud","worksFor":{"@id":"https:\/\/plus-group.ch\/#organization"},"sameAs":["https:\/\/www.linkedin.com\/in\/fabrizio-sahin-98688b87"]},{"@type":"Person","name":"Douglas Bergstr\u00f6m","jobTitle":"Partner, lecturer at USPI Vaud","worksFor":{"@id":"https:\/\/plus-group.ch\/#organization"},"sameAs":["https:\/\/www.linkedin.com\/in\/douglas-b-218a1849\/"]},{"@type":"Person","name":"Livio Campagna","jobTitle":"Partner, lecturer at USPI Vaud","worksFor":{"@id":"https:\/\/plus-group.ch\/#organization"},"sameAs":["https:\/\/www.linkedin.com\/in\/livio-campagna-22422759"]},{"@type":"Person","name":"Oscar Nu\u00f1ez","jobTitle":"Partner, lecturer at USPI Vaud","worksFor":{"@id":"https:\/\/plus-group.ch\/#organization"},"sameAs":["https:\/\/www.linkedin.com\/in\/oscar-nu%C3%B1ez-4857b61b9\/"]}],"department":[{"@type":["FinancialService","ProfessionalService"],"@id":"https:\/\/plus-group.ch\/#bureau-geneve","name":"Groupe Plus \u2014 Gen\u00e8ve","url":"https:\/\/plus-group.ch\/","telephone":"+41 22 343 30 30","address":{"@type":"PostalAddress","streetAddress":"Immeuble Alto, Esplanade de Pont-Rouge 9A","postalCode":"1212","addressLocality":"Lancy","addressRegion":"GE","addressCountry":"CH"},"geo":{"@type":"GeoCoordinates","latitude":46.1866463,"longitude":6.1260297},"hasMap":"https:\/\/www.google.com\/maps?cid=8854659137987823647","sameAs":["https:\/\/www.google.com\/maps?cid=8854659137987823647"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"08:00","closes":"17:00"}],"parentOrganization":{"@id":"https:\/\/plus-group.ch\/#organization"}},{"@type":["FinancialService","ProfessionalService"],"@id":"https:\/\/plus-group.ch\/#bureau-neuchatel","name":"Groupe Plus \u2014 Neuch\u00e2tel","url":"https:\/\/plus-group.ch\/","telephone":"+41 32 710 03 10","address":{"@type":"PostalAddress","streetAddress":"Rue de la Fabrique 2","postalCode":"2016","addressLocality":"Cortaillod","addressRegion":"NE","addressCountry":"CH"},"geo":{"@type":"GeoCoordinates","latitude":46.9450867,"longitude":6.8577568},"hasMap":"https:\/\/www.google.com\/maps?cid=12815629461758195602","sameAs":["https:\/\/www.google.com\/maps?cid=12815629461758195602"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"09:00","closes":"17:00"}],"parentOrganization":{"@id":"https:\/\/plus-group.ch\/#organization"}},{"@type":["FinancialService","ProfessionalService"],"@id":"https:\/\/plus-group.ch\/#bureau-fribourg","name":"Groupe Plus \u2014 Fribourg","url":"https:\/\/plus-group.ch\/","telephone":"+41 26 321 20 21","address":{"@type":"PostalAddress","streetAddress":"Route du Jura 41A","postalCode":"1700","addressLocality":"Fribourg","addressRegion":"FR","addressCountry":"CH"},"geo":{"@type":"GeoCoordinates","latitude":46.8097498,"longitude":7.1469024},"hasMap":"https:\/\/www.google.com\/maps?cid=17824209231742320958","sameAs":["https:\/\/www.google.com\/maps?cid=17824209231742320958"],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday"],"opens":"08:00","closes":"17:00"}],"parentOrganization":{"@id":"https:\/\/plus-group.ch\/#organization"}}],"hasOfferCatalog":{"@type":"OfferCatalog","name":"Groupe Plus services","itemListElement":[{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/acquisition\/#service","name":"Mortgage brokerage","url":"https:\/\/plus-group.ch\/en\/acquisition\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/renewal\/#service","name":"Mortgage renewal","url":"https:\/\/plus-group.ch\/en\/renewal\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/real-estate-development\/#service","name":"Real estate development","url":"https:\/\/plus-group.ch\/en\/real-estate-development\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/mortgage-calculator-2\/#service","name":"Swiss mortgage calculator","url":"https:\/\/plus-group.ch\/en\/mortgage-calculator-2\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/individuals\/#service","name":"Insurance for individuals","url":"https:\/\/plus-group.ch\/en\/individuals\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/companies\/#service","name":"Insurance for companies and SMEs","url":"https:\/\/plus-group.ch\/en\/companies\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/fiduciary\/#service","name":"Fiduciary services for SMEs","url":"https:\/\/plus-group.ch\/en\/fiduciary\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/tax-legal\/#service","name":"Tax & Legal","url":"https:\/\/plus-group.ch\/en\/tax-legal\/"}},{"@type":"Offer","itemOffered":{"@type":"Service","@id":"https:\/\/plus-group.ch\/en\/family-office\/#service","name":"Family Office","url":"https:\/\/plus-group.ch\/en\/family-office\/"}}]},"sameAs":["https:\/\/www.google.com\/maps?cid=6875160002793289164","https:\/\/www.linkedin.com\/company\/plus-sa","https:\/\/www.facebook.com\/Groupe.Plus","https:\/\/www.instagram.com\/groupe.plus_","https:\/\/www.local.ch\/fr\/d\/lausanne\/1003\/financements\/groupe-plus-wEGfqz2YTKp1EYjutHnbFA","https:\/\/www.moneyhouse.ch\/fr\/company\/plus-sa-sa-6412552861"]},{"@type":"Person","@id":"https:\/\/plus-group.ch\/en\/#\/schema\/person\/05ea5b74a35ca990a6781cff00fe623d","name":"PLUS-SA","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5fa0ab8129cd20f0a7834bfabb7e7a1558862e46633c891c431236a50cc39ab9?s=96&d=mm&r=g","caption":"PLUS-SA"},"sameAs":["https:\/\/plus-group.ch"],"url":"https:\/\/plus-group.ch\/en\/author\/plus-sa\/"}]}},"_links":{"self":[{"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/posts\/3023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/comments?post=3023"}],"version-history":[{"count":0,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/posts\/3023\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/media\/3024"}],"wp:attachment":[{"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/media?parent=3023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/categories?post=3023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/tags?post=3023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}