Why a 3rd pillar?
The 3rd pillar A is an essential pillar of Switzerland's pension system, making it possible to build retirement capital while benefiting from significant tax advantages. Compare 3rd pillar products to find the solution best suited to your professional situation, investor profile and savings objectives.
What does a 3rd pillar offer contain?
A 3rd pillar offer is the document or the proposal which sums up the solution type, feesthe investment profile, and conditions related to the pension product. Generally speaking, an offer should contain 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
The advantages of a tailored 3rd pillar offer
- 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
How does our 3rd pillar offer comparator work?
Our tool allows you to receive personalized offers from recognized service providers under approximately 24h (average processing time). By filling in our form, you'll receive tailor-made recommendations from our pension advisors (real people, not robots!) based on your age, professional situation, savings capacity and financial goals.
Which service providers are we comparing?
We compare the best 3rd pillar A offers of the Swiss market with carefully selected banking and insurance partners. not complete catalogs filled with products we would never recommend.
Our philosophy: quality over quantity. We only work with service providers who meet our strict criteria of performance, reliability and financial strength. You receive personalized recommendations for solutions that we have actually validated.
Who can take out a 3rd pillar A in Switzerland?
The 3rd Pillar A is available to Swiss residents in gainful employment, and in some cases also to cross-border commuters. Employees affiliated to a pension fund (2nd pillar) can contribute up to CHF 7,258 per year, while self-employed workers without a 2nd pillar can contribute up to 20% of their net income, within the limit of CHF 36,288 per year.
Find the best 3rd pillar offer for your situation
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.
Everything you need to know about the 3rd pillar
Find out everything there is to know about private pension provision in Switzerland.
