In 2 minutes, estimate your pension position, any income gap and your potential tax saving. No commitment.
Employee, self-employed or cross-border worker: the rules, limits and tax options are not the same.
The Swiss system rests on several pillars. Individual provision tops up what will be available at retirement.
The proportions are indicative and vary with income, pension fund, career path and personal situation.
Before choosing a 3rd pillar, measure what your current provision could represent tomorrow.
Compare your current income with what your 1st and 2nd pillars could provide at retirement.
Within legal limits, pillar 3a lets you deduct contributions from your taxable income.
Starting early gives your savings, and any returns, more time to grow.
Pillar 3a favours the tax advantage within the legal framework. Pillar 3b favours flexibility, with different tax rules.
General information to be checked against your personal situation, your canton and the solution chosen.
The assessment turns a few simple details into a first reading of your situation. Only then does an adviser take over.
* Example scenario, not a guarantee of return. The tax saving depends on the canton, income, family situation and deductions. Returns are not guaranteed.
Our role is to help you compare and decide with clear information, rather than push you towards one solution.
We are a non-tied insurance intermediary, registered with FINMA.
Our clients highlight the clarity of our explanations and the quality of our follow-up.
We compare the offers of the main Swiss institutions, then present the solution best suited to your situation.
No commitment is required at this stage.
A few questions about your situation.
Your estimated income gap and your potential tax saving.
We refine the figures and compare market offers.
You decide librement de la suite.
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CHF 7,258/year for someone affiliated to a 2nd pillar. Up to CHF 36,288/year, within 20% of income, for someone without one.
No. The capital is tied, with early withdrawal cases set by regulation, notably home purchase, permanent departure from Switzerland or becoming self-employed.
The situation depends in particular on your tax status. In Geneva, quasi-resident status can be decisive.
Get your first estimate, then decide freely whether to go further with an adviser.
Your details are used solely to handle your request. They are never passed on to third parties.