{"id":3124,"date":"2025-10-17T12:47:47","date_gmt":"2025-10-17T11:47:47","guid":{"rendered":"https:\/\/plus-group.ch\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/"},"modified":"2026-10-13T11:54:11","modified_gmt":"2026-10-13T10:54:11","slug":"the-2nd-pillar-to-regain-control-of-your-pension-plan","status":"publish","type":"post","link":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/","title":{"rendered":"The 2nd Pillar: Regaining Control of Your Pension Plan"},"content":{"rendered":"\n
\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n

Tailor-made solutions for supplementary occupational pension plans<\/h2>\n\n\n\n

Primarily reserved for executives, as it targets employees with an annual income exceeding CHF 129,060, the 1e plan<\/sup> gives insured individuals an active role in managing their pension assets. This solution allows employees to select their own investment strategy based on their risk tolerance and to adjust it at different stages of their professional life.<\/p>\n\n\n\n

In practice, this supplementary plan covers the portion of salary exceeding CHF 129,060, enabling substantial tax savings and a far more comfortable income at retirement. It offers employees the sense of taking a more proactive role in their pension planning and even grants them the option to make voluntary buy-ins.<\/p>\n<\/div>\n<\/div>\n\n

\n\n
\n
\n

Advantages for employers as well<\/h2>\n\n\n\n

With evolving regulations, this solution, which until now has been rather under-used and mostly by large companies, is expected to gain in popularity.<\/p>\n\n\n\n

In its revised version, investment risks after retirement will no longer fall on the employer, but on the former employee. In addition, risk premiums are on average 25% lower within this type of plan.<\/p>\n\n\n\n

Whether you are considering this privately as an employee, or as a business owner wishing to offer more to your team, do not hesitate to contact our Insurance & SME specialists to learn how best to integrate a 1e plan<\/a> into your pension system.<\/p>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Perhaps you have not always kept up with your 3rd pillar contributions throughout your career. And now you find your annual payments capped by law. Not to worry : this rule, which has existed for 50 years, is likely to change very soon\u2026<\/p>\n","protected":false},"author":1,"featured_media":3126,"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-3124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plus-insurance-smes"],"acf":[],"yoast_head":"\nThe 2nd Pillar: Regaining Control of Your Pension Plan - 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\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 2nd Pillar: Regaining Control of Your Pension Plan - PLUS-SA\" \/>\n<meta property=\"og:description\" content=\"Perhaps you have not always kept up with your 3rd pillar contributions throughout your career. And now you find your annual payments capped by law. Not to worry : this rule, which has existed for 50 years, is likely to change very soon\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/\" \/>\n<meta property=\"og:site_name\" content=\"PLUS-SA\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-17T11:47:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-13T10:54:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1366\" \/>\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\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/\"},\"author\":{\"name\":\"PLUS-SA\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#\\\/schema\\\/person\\\/05ea5b74a35ca990a6781cff00fe623d\"},\"headline\":\"The 2nd Pillar: Regaining Control of Your Pension Plan\",\"datePublished\":\"2025-10-17T11:47:47+00:00\",\"dateModified\":\"2026-10-13T10:54:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/\"},\"wordCount\":224,\"publisher\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/services-img2-scaled-1-scaled-1.jpg\",\"articleSection\":[\"Plus Insurance & SMEs\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/\",\"name\":\"The 2nd Pillar: Regaining Control of Your Pension Plan - PLUS-SA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/services-img2-scaled-1-scaled-1.jpg\",\"datePublished\":\"2025-10-17T11:47:47+00:00\",\"dateModified\":\"2026-10-13T10:54:11+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#primaryimage\",\"url\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/services-img2-scaled-1-scaled-1.jpg\",\"contentUrl\":\"https:\\\/\\\/plus-group.ch\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/services-img2-scaled-1-scaled-1.jpg\",\"width\":2048,\"height\":1366},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/the-2nd-pillar-to-regain-control-of-your-pension-plan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/plus-group.ch\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The 2nd Pillar: Regaining Control of Your Pension Plan\"}]},{\"@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":"The 2nd Pillar: Regaining Control of Your Pension Plan - 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\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/","og_locale":"en_US","og_type":"article","og_title":"The 2nd Pillar: Regaining Control of Your Pension Plan - PLUS-SA","og_description":"Perhaps you have not always kept up with your 3rd pillar contributions throughout your career. And now you find your annual payments capped by law. Not to worry : this rule, which has existed for 50 years, is likely to change very soon\u2026","og_url":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/","og_site_name":"PLUS-SA","article_published_time":"2025-10-17T11:47:47+00:00","article_modified_time":"2026-10-13T10:54:11+00:00","og_image":[{"width":2048,"height":1366,"url":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-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\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#article","isPartOf":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/"},"author":{"name":"PLUS-SA","@id":"https:\/\/plus-group.ch\/en\/#\/schema\/person\/05ea5b74a35ca990a6781cff00fe623d"},"headline":"The 2nd Pillar: Regaining Control of Your Pension Plan","datePublished":"2025-10-17T11:47:47+00:00","dateModified":"2026-10-13T10:54:11+00:00","mainEntityOfPage":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/"},"wordCount":224,"publisher":{"@id":"https:\/\/plus-group.ch\/#organization"},"image":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#primaryimage"},"thumbnailUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-scaled-1.jpg","articleSection":["Plus Insurance & SMEs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/","url":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/","name":"The 2nd Pillar: Regaining Control of Your Pension Plan - PLUS-SA","isPartOf":{"@id":"https:\/\/plus-group.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#primaryimage"},"image":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#primaryimage"},"thumbnailUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-scaled-1.jpg","datePublished":"2025-10-17T11:47:47+00:00","dateModified":"2026-10-13T10:54:11+00:00","breadcrumb":{"@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#primaryimage","url":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-scaled-1.jpg","contentUrl":"https:\/\/plus-group.ch\/wp-content\/uploads\/2025\/10\/services-img2-scaled-1-scaled-1.jpg","width":2048,"height":1366},{"@type":"BreadcrumbList","@id":"https:\/\/plus-group.ch\/en\/the-2nd-pillar-to-regain-control-of-your-pension-plan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/plus-group.ch\/en\/"},{"@type":"ListItem","position":2,"name":"The 2nd Pillar: Regaining Control of Your Pension Plan"}]},{"@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\/3124","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=3124"}],"version-history":[{"count":1,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/posts\/3124\/revisions"}],"predecessor-version":[{"id":5907,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/posts\/3124\/revisions\/5907"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/media\/3126"}],"wp:attachment":[{"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/media?parent=3124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/categories?post=3124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/plus-group.ch\/en\/wp-json\/wp\/v2\/tags?post=3124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}