Pension planning & retirement
Protect your income, your family and your projects while preparing for retirement.
Request adviceTurn your life goals into a pension strategy.
We look at the benefits of the 1st, 2nd and 3rd pillars together to identify the gaps between your current situation and your goals.
Tied or bank-based pension solutions depending on your goals, time horizon and profile.
Projection of future income and identification of any additional needs.
Assessment of the financial consequences for you, your family or your business.
Aligning your pension planning with your insurance, your property and your financing.
The 3 pillars at a glance
- 1st pillar (state pension): basic cover, often insufficient alone
- 2nd pillar (occupational pension): varies by employer
- 3rd pillar (3a / 3b): individual savings, possible tax advantages
- frequent gaps: disability, death, part-time work, self-employed
- pension buy-ins: a possible lever, to be studied with taxation
How we work
- DocumentsPension certificate, state-pension statement, 3rd-pillar contracts.
- ProjectionIncome in retirement, in case of disability or death.
- GapsDifferences between your goals and your situation.
- PlanSolutions and implementation timetable.
Your questions, our answers.
What is the tax benefit of the 3rd pillar?
Contributions to a 3a may be deductible from taxable income up to the applicable annual ceiling. The calculator on this page gives an indicative estimate.
Should I choose a bank or an insurance 3a?
It depends on your horizon, your need for protection and your profile. We compare both approaches.
Estimate your tax saving and your capital at maturity.
See the potential effect of regular contributions under three return scenarios: 3%, 4% and 5% a year.
Your simulation
Indicative simulation, with no guarantee of return or tax gain. The applicable 3a contribution ceiling depends on the year and on your professional situation. Taxation on withdrawal is not included.
See how your retirement savings can grow.
Starting capital, monthly contributions, return and fees: compare what you pay in and what your investments may earn.
Your savings
Indicative simulation, with no guarantee of return. Net return = gross return − fees, compounded monthly. The annual 3a contribution ceiling varies by year and professional status; the tax saving depends on your canton and income, and taxation on withdrawal is not included.
Preparing tomorrow starts today.
Let’s clarify your protection priorities and retirement goals together.