{"id":8565,"date":"2024-07-21T08:50:00","date_gmt":"2024-07-21T06:50:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-in-the-event-of-death-who-inherits-your-money\/"},"modified":"2024-09-17T08:31:28","modified_gmt":"2024-09-17T06:31:28","slug":"pillar-3a-in-the-event-of-death-who-inherits-your-money","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-in-the-event-of-death-who-inherits-your-money\/","title":{"rendered":"Pillar 3a in the event of death: who inherits your money?"},"content":{"rendered":"Lesedauer<\/span> 8<\/span> Minuten<\/span><\/span>\n

You save diligently in pillar 3a, but have you ever thought about what happens to your pillar 3a in the event of your death?\nWho benefits from your hard-saved money if you die unexpectedly?\nThe answer might surprise you.\nBecause pillar 3a inheritance follows its own rules.\nFind out now how you can ensure that your loved ones benefit. <\/p>\n\n\n\n

What happens to pillar 3a in the event of death?<\/h2>\n\n

Imagine you have paid into your pillar 3a for years, but you die unexpectedly before retirement age.\nWhat then happens to your pillar 3a?\nDon\u2019t worry, the money won\u2019t be lost.\nAfter your death, the pension foundation will dissolve your pillar 3a and pay it out to your beneficiaries. <\/p>\n\n

But there is one important point you should be aware of: Your pillar 3a assets are not included in your estate.\nThey are bequeathed separately, regardless of your will or statutory succession.\nIn concrete terms, this means <\/p>\n\n

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  1. Your pillar 3a is not part of the general division of inheritance.<\/li>\n\n\n\n
  2. It is paid out to the beneficiaries irrespective of testamentary provisions.<\/li>\n\n\n\n
  3. Even if you are in debt, creditors cannot access your pillar 3a assets.<\/li>\n<\/ol>\n\n

    The payment is made directly to the beneficiaries as a one-off capital payment.\nWho exactly receives the money is determined by the so-called beneficiary order.\nThis order is regulated by law, but \u2013 and this is important to know \u2013 you can adjust it within certain limits. <\/p>\n\n