Pensions and retirement
Pillar 3a, pension fund, retirement and income protection: we help you prepare for the future with peace of mind, while reducing your taxes today.
Pillar 3a
Tax-deductible retirement savings, with a bank or an insurer.
Occupational pension (BVG/LPP)
2nd pillar, buy-ins, vested benefits and solutions for the self-employed.
Retirement planning
A projection of your future income and tax-efficient withdrawals.
Income protection
Incapacity to work, disability and death: your gaps identified and covered.
The Swiss system rests on three pillars: the state pension (AHV/AVS), occupational pensions (BVG/LPP) and private pension provision. Together, the first two generally cover around 60% of your final salary in retirement. The difference, and any gaps, are up to you to fill.
A review of your three pillars
We gather your certificates and show you clearly where you stand.
Tax savings
Pillar 3a contributions and pension fund buy-ins reduce your taxable income.
Solutions compared
Bank or insurance: we present the options suited to your profile.
A long-term view
We adjust your strategy at every stage of your life.
Pillar 3a simulator
Estimate your tax saving and the capital you will have built up by retirement, based on your situation.
Your status
Estimated from your income (single person, Geneva). Adjust it if you know it.
Investment
Hypothetical annual return: 3,5%
Estimated capital at retirement
CHF 387'791
in 30 years
- Tax saving per year
- CHF 2'250
- Total tax savings
- CHF 67'499
- Total paid in
- CHF 217'740
- Estimated return
- CHF 170'051
Your real cost, after tax
CHF 417 / month
Indicative simulation, not binding. Returns are not guaranteed and your actual tax rate depends on your canton, municipality and family situation. The capital is taxed separately, at a reduced rate, when withdrawn. 2026 limits set by the Swiss Confederation.
Frequently asked questions
Let's talk about your project.
A first conversation that is free, with no obligation, in your language.