Individual Pension Planning

Simple, fast, tailored:
your third pillar

The right way to save, protect your income and plan for the future. To live with the peace of mind you deserve.

  • Discover the companies with the best returns
  • Access additional services worth 1000 CHF for free
  • Check right away how much tax you can save

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Let yourself be convinced by those who have already chosen us and found a sincere ally in Loyal Group – reviews that scroll

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Overall rating 4.9 based on 50+ reviews

Frequently Asked Questions about the third pillar

The third pillar is a private savings instrument, which can be taken out in two forms: 3A and 3B. You choose the monthly amount, the investments, the capital guarantee and the insurance benefits.

Pillar 3A allows you to deduct contributions up to 7,258 CHF per year (36,288 CHF for self-employed professionals without a pension fund), in exchange for withdrawals only being permitted for the purchase of a first home, starting a business, moving abroad, early retirement, or regular retirement.

Pillar 3B, on the other hand, offers full freedom of access to capital at any time, but forgoes any tax benefits on the premiums paid. In this case the premium is potentially unlimited and the capital benefits from privileges in inheritance and bankruptcy proceedings.

Health insurance, rent, everyday expenses: every year living in Switzerland gets more expensive and the first and second pillars cover only 60% of your salary. With the third pillar you choose to guarantee greater certainty for your future!

Investment opportunities, immediate tax benefits, a guaranteed income in case of illness or accident, a premium guarantee that self-finances in case of incapacity to earn, and protection capital for the people you love.

AHV and Pension Fund (first and second pillars) guarantee a benefit in case of retirement or disability but on average cover only 60% of your previous income, making it difficult to maintain the same standard of living. Relying solely on these two pillars is a risky bet: unpredictable reforms, increasing retirement age and stricter conditions can erode your financial security without any guarantee of preserving your standard of living.

Frequently Asked Questions about Loyal Group

Loyal Group is an independent pension specialist. Registered in the FINMA register (license no. F01202725) as an unbound insurance intermediary, it acts in the interest of the client and not the insurance company.

Yes, Loyal Group does not charge clients for the consultation. It is financed through its partners, who pay a fee after the conclusion of a new contract. This way you can enjoy an independent and transparent service.

Yes, exactly, the product rates remain unchanged. The client pays the same premium they would have paid if they had gone directly to the insurance company. This guarantees zero additional costs for the client, who thus obtains a transparent market comparison.
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