Pension planning
Pillar 3a vs 3b: how to choose the right strategy for your profile
3a mainly optimises taxation, while 3b brings more flexibility. Here is how to combine both intelligently for a durable pension strategy.
By Le Prix Malin - 26 November 2025
Combining tax efficiency and flexibility
Pillar 3a is often the priority when tax optimisation is strong and retirement planning is the main objective. Pillar 3b becomes valuable when you need more flexibility for family, wealth or life projects.
For many households, the best answer is not to oppose them but to combine them: 3a as a structured tax-efficient base, then 3b to keep room for adaptability over time.
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