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Old 01.06.2021, 11:18
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transfers from pillar 3a to pillar 2?

I was looking at form 650 from the Fondation suppletive (the BVG for people who can't get into any other fund)


It has a note on the form: "S’agit-il d’un transfert provenant du pilier 3a (prévoyance liée)?"


Translated: "Is this a transfer from pillar 3a (tied pension provision)?"


Does anybody know more about this, is it possible to transfer a pillar 3a balance into pillar 2?


Does such a transfer become part of the mandatory pillar 2 balance, in other words, the part subject to the higher conversion rate?
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Old 01.06.2021, 11:34
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Re: transfers from pillar 3a to pillar 2?

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I was looking at form 650 from the Fondation suppletive (the BVG for people who can't get into any other fund)


It has a note on the form: "S’agit-il d’un transfert provenant du pilier 3a (prévoyance liée)?"


Translated: "Is this a transfer from pillar 3a (tied pension provision)?"


Does anybody know more about this, is it possible to transfer a pillar 3a balance into pillar 2?


Does such a transfer become part of the mandatory pillar 2 balance, in other words, the part subject to the higher conversion rate?
Any additional premiums are never part of the mandatory part, as they are not mandatory premiums!
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Old 01.06.2021, 12:28
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Re: transfers from pillar 3a to pillar 2?

Do you know any more about these transfers?


Is there any situation where it would lead to a higher return or some other benefit?
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Old 01.06.2021, 12:44
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Re: transfers from pillar 3a to pillar 2?

If you are near retirement age and want the security of an annuity for life, and your employer has a strong pension plan with high conversion rate, then it might make sense.

Otherwise I don't see benefits. You would hand over management of your savings to the trustees of your employer's 2P plan. Some employers are crediting 0.5% pa or less to their employee's 2P accounts. With 3P you have more flexibility how it is invested

Last edited by jim1; 01.06.2021 at 12:45. Reason: typo
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