Choose Your Third Pillarwith independent, objective guidance
3A or 3B? Insurance or banking? Get independent advice from a FINMA-registered advisor to find the right solution for your situation.
✦ Independent 30-minute review • No obligation • No product pushing
Objective, Regulated & Independent Advice
No ties to any insurance company. No product pushing. Only your best interest.
Independent Advisor
Not tied to any insurance company or bank. Objective analysis based solely on your situation.
FINMA Licensed
Officially registered with the Swiss financial markets supervisory authority.
10+ Years Experience
Deep expertise in the Swiss pension system, 3A and 3B pillars, and tax optimisation.
What your consultation includes
Free 30-minute call, no obligation
Objective comparison
Review of 3A and 3B options available on the Swiss market, without bias.
Tax optimisation review
Analysis of potential tax deductions related to pillar 3 based on your situation.
No-pressure environment
No product pushing. You leave with clear information, not obligations.
All advice provided follows FINMA guidelines on financial advertising and advisory services.
Three Essential Reasons to Start
The Swiss 3rd Pillar is one of the most powerful tools for long-term financial security.
Tax Efficiency
Annual contributions up to CHF 7,258 in 2026 are deductible from taxable income.
Compound Growth
The earlier you start, the more your capital compounds — turning regular contributions into a solid retirement fund.
Protection & Flexibility
Combine savings with insurance protection for your family in case of death or disability.
Estimate Your Tax Savings
Discover how much you can save and how your capital can grow over time.
The Impact of Starting Early
Important: These figures are average estimates. Your personal situation affects the actual calculation. For an exact estimate, book a consultation.
My 5 Recommended 3rd Pillar Solutions
There are two main families of 3a solutions: insurance products and banking products. Each has its advantages. I help you choose the right combination for your situation.
Savings + Protection combined
Tax deduction, built-in death/disability coverage, possible guaranteed capital. Ideal if you want to protect your family while saving.
Pure investment, no insurance
Active portfolio management, more flexibility, no insurance component. Ideal if you seek pure long-term performance.
Insurance 3a products combine retirement savings with insurance coverage (death, disability). They offer an annual tax deduction and can include guaranteed capital. The premium is fixed and the contract has a set duration.
AXA SmartFlex
My Top Recommendation
AXA SmartFlex is a modern and flexible 3A solution that allows you to combine long-term retirement savings with investment growth and protection benefits.
Why I Recommend It
- Maximum flexibility
- Advanced digital management
- Expat-friendly
- High growth potential
SwissLife Dynamic Elements Duo
Dynamic Performance-Security Balance
The Dynamic Elements Duo is a flexible and dynamic savings solution from SwissLife that lets you participate in the financial markets while maintaining a degree of security.
Key Benefits
- Automatic balancing
- Market participation
- Guaranteed security
- Real estate financing
PAX 3A
Solid and Traditional Savings Plan
PAX offers one of the most stable and reliable 3A savings options on the market, combining guaranteed capital with attractive participation in investment returns.
Perfect For
- Conservative investors
- Family protection
- Guaranteed capital
- Long-term stability
Banking 3a products are pure investment solutions, with no insurance component. They offer more flexibility (no fixed term, easier early withdrawal) and are ideal for investors who want to maximise the performance of their retirement savings without paying for insurance coverage.
Zugerberg Finanz — 3a Portfolio
Actively Managed Diversified Portfolio
Zugerberg Finanz offers a banking 3a solution with active portfolio management. Their diversified allocation with a significant equity component is ideal for investors seeking professional management of their retirement savings over the long term.
Key Strengths
- Active professional management
- Strong equity component
- Fee transparency
- Solid performance track record
Lemania — 3a Portfolio
Personalised Pension Planning Solution
Lemania offers a personalised approach to Swiss pension planning, with solutions tailored to each client's specific needs. Their votre-prevoyance.ch platform provides access to flexible and transparent pension solutions, particularly well-suited for French-speaking Swiss residents.
Key Strengths
- Local French-Swiss advisory
- Tailored solutions
- Intuitive digital platform
- Transparent approach
Choose Your Third Pillar
Get an independent expert assessment from a FINMA-registered advisor. Together, we review insurance and banking options to identify the solutions best suited to your situation.