Retirement system, tax optimisation

The system is based on 3 pillars

First pillar

The first pillar is the AVS (old-age and survivors' insurance). The principle is that of mutualisation. All employees contribute a percentage and annuities are allocated at an event. (Retirement, death, disability)

Second pillar

The second pillar is the professional pension plan.
It complements the first pillar

Third pillar

The third pillar is your personal pension plan which allows you to fill gaps between your needs and the provisions provided by the first and the second pillar