True for the 3 clients rule but there would still be a classification to be made between non-employed (AHV/AVS contributions based on wealth, no possibility to add new 3a contributions) and self-employed (contributions based on income, possibility to add new 3a contributions with access to the higher threshold).
I don’t think it would be a given that they would go for the later (self-employed) by default, though I may very well be wrong.
Seems like you’d need a withdrawal rate <2.5% to have the contributions based on income be lower than the contributions based on wealth. (To be classified as independent you’d need to have at least income > spent = withdrawal rate)
(So in many cases they’d get more money if the person is classified as independent, would probably need to be well above 2M to pay less in AHV, but that’s without accounting for the potential extra capital gain tax)
Yes I think it’s better to pay AHV on wealth and manage normally as an individual.