Discover the partners with the highest third pillar returns
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Immediately find out how much you can save on taxes
How high do you want to aim?
Help us understand your investment sentiment to identify an
offer that matches your risk expectations.
Choose your monthly premium
With the 3a scheme, you can deduct up to CHF 7,258 per year (CHF
604/month). If you are self-employed without a pension fund, the limit rises to CHF
36,288. There are no limits with the 3b scheme.
850
What is your year of birth?
By entering your year of birth, we can calculate how many years
remain until your retirement and give you a more accurate result
1990
What goals do you want to achieve?
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suit your needs.
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Discover the partners with the highest returns on the third pillar
Unlock exclusive services worth CHF 1,000 for free
Find out right away how much tax you can save
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Frequently Asked Questions about the third pillar
The third pillar is a private savings tool that can be structured in two forms:
3A and 3B. You choose the monthly amount, investments, capital guarantee, and
insurance benefits.
Pillar 3A allows you to deduct contributions up to CHF 7,258 per year (CHF
36,288 for self-employed without a pension fund), with withdrawals only
permitted for first home purchase, starting a business, moving abroad, early
retirement, or regular retirement.
Pillar 3B, by contrast, offers full access to capital at any time but without
any tax benefits on contributions. In this case, contributions are potentially
unlimited and the capital enjoys inheritance and bankruptcy privileges.
Health insurance, rent, daily expenses: living in Switzerland gets more
expensive every year and the first and second pillars cover only 60% of your
salary. With the third pillar, you ensure greater certainty for your future!
Investment opportunities, immediate tax relief, guaranteed income in case of
illness or injury, premium guarantee that self-finances in case of loss of
earnings, and a protection capital for your loved ones.
AHV and Pension Fund (first and second pillars) guarantee an income in case of
retirement or disability but on average cover only 60% of your previous income,
making it hard to maintain the same standard of living. Relying solely on these
two pillars is risky: unpredictable reforms, rising retirement age, and stricter
requirements can erode your financial security with no guarantee of preserving
your lifestyle.
Loyal Group is an independent pension specialist. Registered with FINMA (license
no. F01202725) as an unbiased insurance intermediary, it acts in the client's
interest, not the insurer's.
Yes, Loyal Group does not charge clients for advice. It is funded by its
partners, who pay a commission after a new contract is concluded. This way, you
receive an independent and transparent service.
Yes, exactly—the product rates remain unchanged. The client pays the same
premium they would have if they had gone directly to the insurance company. This
guarantees no additional costs for the client, providing a transparent market
comparison.
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