Mathias SudresINSURANCE & PENSIONS25–40 · YOUR FIRST THIRD PILLAR
Starting your career, growing your family or dreaming of your own home? Explore third-pillar insurance built around your budget and your next steps.
For professionals aged 25–40 · Free first call · No obligation
YOUR NEXT STEPS START TODAY
01 /Help protect your loved ones financially in the event of death or inability to work, depending on the cover chosen.
Depending on the cover selected, a death benefit can help your family financially. Disability protection or premium waiver can help preserve your plan if you can no longer work.
02 /Give your retirement saving time to grow, with a monthly amount that fits your budget.
Save regularly towards the standard of living you want after your working life. Compare investment potential, contractual guarantees and costs over your chosen horizon.
03 /Your 3a may be pledged for a future home, subject to owner-occupied housing rules and lender approval.
Your third pillar may be pledged as security for a mortgage or used for indirect amortisation. For pillar 3a, owner-occupied housing rules apply; the lender must accept the arrangement.
04 /Eligible 3a contributions can reduce your taxable income, within your annual allowance.
Eligible 3a contributions can reduce your taxable income within the applicable limits. We check your situation and distinguish 3a deductions from 3b tax treatment.
05 /Choose an investment approach suited to your horizon and risk tolerance. Capital can fluctuate.
From a security-focused approach to a higher equity allocation: explore the options available under each contract. Some plans allow strategy adjustments; more equities also mean more volatility and risk.
06 /Changing jobs or taking a career break? Review premium flexibility and 3a/3b options before you commit.
A career break, a move or a change of employment? We examine 3a/3b adaptation options, including a possible contractual switch where available. Existing 3a assets remain subject to statutory restrictions.
We compare what matters: benefits, premium commitment, fees, surrender values and flexibility.
Find the plan for my goals ↗THEIR THIRD PILLAR. THEIR WORDS.
“Mathias was super helpful in navigating the choice for the 3a pillar account.”
“His expert guidance and support were invaluable in setting up my third pillar”
“He helped me set up my third pillar and insurance policies, always personalizing the experience and ensuring that I understood the products and services I was purchasing.”
LET’S MAKE IT PERSONAL
Already have a plan? We can review it too. Tell me about your situation and what you want to build next.
This is a request for proposals, not an insurance application. No obligation to take out a policy.
Prefer to book directly? ↗A few details to prepare a useful conversation about your first third pillar or your current plan.
REQUEST RECEIVED
Your request has been saved. Book your free call below. Sending this form does not reserve an appointment.
Choose my call time ↗Booking opens Calendly, which processes the information you provide under its own privacy terms.
A FIRST LOOK, BEFORE WE TALK
Make the numbers yours. Adjust your saving, horizon and return assumption. Then let’s turn an illustration into a proposal.
Use the amount left after any insurance protection, acquisition charges and other premium costs. These costs vary by contract; the monthly premium may be higher.
YOUR CENTRAL ILLUSTRATION
—Invested contributions
—Solid line: central scenario · Dashed line: invested contributions
Hypothetical scenarios, not forecasts or an insurer’s offer. Annual fees entered above are deducted from each return. Capital is not guaranteed and losses are possible. Values exclude inflation and withdrawal tax. Your contract determines surrender values and guarantees.
Turn my plans into personalised proposals ↗A simulation is a starting point. Let’s review the actual costs and benefits together.
For 2026, eligible employees with a pension fund may contribute up to CHF 7,258 in ordinary pillar 3a contributions. Pillar 3b has different tax treatment.
Taxed at source or living outside Switzerland? We check your eligibility and the full tax effect before recommending a deduction.
Enter your situation and the contribution you are considering. We compare two calculations from the Federal Tax Administration: without and with that additional pillar 3a deduction.
Your estimate will appear here.
2026 tax data · Swiss Federal Tax Administration. The annual taxes before and after are official service outputs; taxable wealth is fixed at zero in both scenarios. The displayed difference and effective cost are local arithmetic, not an assessment.
The complete contribution goes into your 3a plan. The tax saving reduces its effective cost; it is not a guaranteed investment return.
You could use the saving to ease your household budget, build an accessible emergency reserve, or fund additional long-term saving. Extra 3a contributions remain subject to your annual allowance. Compare the complete plan: fees, insurance protection, investment risk and flexibility all matter.
For ordinary 2026 contributions: CHF 7258 with a pension fund; without one, up to 20% of eligible earned income, capped at CHF 36288. These parameters come from the FSIO and OPP 3. This tool excludes catch-up contributions and assumes eligibility. Pillar 3b does not have the same general 3a deduction. 3a withdrawal is restricted and benefits are taxed when paid out. Source-tax and cross-border situations require an individual check.
BEFORE YOU START
An insurance contract can combine retirement saving with protection. Compare the premium commitment, insured benefits, fees and surrender values with other options before signing.
Pillar 3a offers deductions subject to eligibility and limits, with restricted access to capital. Pillar 3b is more flexible and has different tax rules. We assess which structure fits your circumstances.
No return shown in the simulator is guaranteed. The insurer’s proposal specifies any contractual guarantee, investment risks, costs and insured benefits.
We clarify your situation during a free initial call and then prepare suitable proposals. Any application, health questionnaire or insurer acceptance happens separately.
This must be checked with the insurer. Some arrangements may allow future premiums or cover to continue under a different framework, subject to contractual and tax conditions. A 3a balance cannot simply be withdrawn or freely transferred to 3b outside a legal withdrawal case. We review the available options and their consequences before making any change.