The 3rd pillar A is a key part of retirement planning in Switzerland, allowing you to build retirement capital while benefiting from significant tax deductions. Comparing 3rd pillar offers helps you find the option best suited to your professional situation, investor profile, and savings goals.

A 3rd pillar offer is the document or proposal that outlines the type of solution, the fees, the investment profile, and the conditions tied to the pension product. In general, an offer should include the following elements:

• The fund chosen (equity, mixed, etc.)
• Annual fee (TER)
• Investment strategy
• Projected cash surrender value based on several scenarios
• Existing benefits (death, disability)
• Expense structure
• Conditions if you stop or modify the contract

By filling in our form, you'll receive a number of offers that will be compared according to precise criteria. Here are the advantages of a 3rd Pillar A in Switzerland:

• Tax deductions: Up to CHF 7,258 per year for salaried employees, CHF 36,288 for self-employed workers
• Capital guaranteed: Secure your savings with solutions tailored to your risk tolerance
• Flexibility: Choose between 3rd pillar banking or insurance according to your needs
• Tax optimization: Reduce your annual tax bill significantly
• Multi-subscription: We can help you allocate your 3a accounts to different providers to optimize your tax situation in retirement

There are a wide range of options for the 3rd pillar, either through a bank or an insurance provider. Most products can be subscribed to within both tied pension schemes (pillar 3a) and flexible pension schemes (pillar 3b).

In insurance, a third pillar is often set up in the form of a life insurance policy or income protection insurance, while in banking, a 3a or 3b most often corresponds to a standard savings account or one linked to investment funds.

Comparing 3rd pillars will help you choose the solution best suited to your profile and objectives.

People working in Switzerland — whether you're an employee or self-employed — who generate income subject to AVS can open a 3a pillar.

People taxed at source (e.g., cross-border workers, holders of a B permit) can take out a 3a, but the tax deduction is only available under certain conditions. Please contact us for more information on this topic.

Yes, it is possible to transfer your third pillar, whether from one bank to another or from an insurance company to another 3a pension solution.

In the case of Pillar 3b, the transfer terms and conditions also depend on the contract.

Our tool allows you to receive personalized offers from recognized providers within approximately 24 hours (average processing time). By completing our form, you get tailor-made recommendations from our pension advisors (real people, not robots!) based on your age, professional situation, savings capacity, and financial goals.

We compare the best 3rd pillar A offers on the Swiss market from carefully selected banking and insurance partners — not complete catalogs filled with products we would never recommend.

Our philosophy: quality over quantity. We work only with providers who meet our strict criteria for performance, reliability, and financial strength. You receive personalized recommendations for solutions that we genuinely endorse.

Employees affiliated with a pension fund (2nd pillar) can contribute up to CHF 7,258 per year, while self-employed individuals without a 2nd pillar can contribute up to 20% of their net income, capped at CHF 36,288 per year.

Each 3rd pillar offer has different characteristics in terms of returns, fees, guarantees and flexibility. We analyze your profile to recommend the solutions best suited to your needs, and help you maximize your tax advantages.