Pillar 3a Pensions

Bridge any gap in your retirement income with a Pillar 3a account that benefits from Patterson Mills’ bespoke management.

Pillar 3a Pensions

Bridge any gap in your retirement income with a Pillar 3a account that benefits from Patterson Mills’ bespoke management.

How We Work With You

Your Pillar 3a private pension plays a vital role in your retirement planning and deserves strategic focus.

At Patterson Mills, we offer bespoke Pillar 3a management services tailored to both insured and non-insured accounts. Our approach ensures your Pillar 3a investments are expertly managed and seamlessly aligned with your broader Patterson Mills investment strategy.

As independent Advisers, we partner with a range of leading Pillar 3a institutions and are able to provide you with a solution that complements and enhances your retirement planning.

Take the first step towards optimising your pension today— cliquez ici to connect with our dedicated team. We are confident you will be glad you did.

Non-insured vs Insured Pillar 3a

Understanding the Two Types of Pillar 3a Accounts

Pillar 3a accounts fall into two categories: insured and non-insured.

Non-insured Pillar 3a: Offers flexibility, allowing you to decide your annual contributions.
Insured Pillar 3a: Requires a fixed contribution rate, providing less flexibility but adding the discipline of regular savings. Many insured accounts also include features like guaranteed minimum interest rates.

Choosing the Right Option

The best Pillar 3a solution depends on your individual circumstances. Non-insured accounts often provide broader investment options and easier transferability, whilst insured accounts come with an insurance element and can involve early termination fees, so read your contract in full before signing.

Importantly, you are also not limited to a single account and may even find it beneficial to open a new Pillar 3a account when an existing one nears around CHF 50,000, as this can simplify future withdrawals.

Our team works with you to ensure your pension planning aligns with your goals, offering the flexibility and security that best suits your needs.

Get in touch today to explore how we can support your retirement planning.

Un service aussi unique que nos clients

Experience over 37 years tells us that everyone really is different. The complexities of Pillar 3a pension provisions can seem intimidating. With the myriad of differing tax rules, investment regulations, and more, it can be extremely challenging to know whether or not your money is working as efficiently as possible for you.

C'est là que nous intervenons.

With our specialist advice service at Patterson Mills, which is tailored to ensuring you have the best possible chance of financial independence in retirement, we are well versed in the differing types of solutions available to you for your Pillar 3a and wider investments.

Il n'existe pas de solution unique. Cependant, en étant totalement indépendants, nous avons veillé à ce que notre accès à l'ensemble du marché nous permette d'offrir à nos clients un service tout aussi distinctif qu'eux.

Pour savoir ce qui vous manque peut-être, contactez-nous. Vous n'avez rien à perdre et potentiellement beaucoup à gagner.

Pages associées

Retraites Comptes de libre passage Transferts de pensions au Royaume-Uni Vested Benefits Transfers