📢 Flash offer until June 30, 2025

🎁 CHF 200.- gift at Galaxus for every new 3rd pillar in insurance!
Comparateur 3ème pilier

Third Pillar

Deduct 36,288.00 / year in taxes.

Offre spéciale

Flash offer until June 30, 2025

CHF 200 free with all new 3rd pillar insurance!

100% Free
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Is the 3rd pillar 3A for the self-employed tax-deductible?
Absolutely! You can deduct up to 20% of your income per year, to a maximum of CHF 36,288.

Why are our 3rd pillar advisory services 100% free?
As official partners of almost the entire Swiss market, we are directly remunerated by these 41 companies, at no extra cost to you.

How can we be sure that our third-pillar advice is neutral?
Not all companies pay us the same, but this has no bearing on the advice we give you. Our Google ratings and reviews bear witness to this!

Is our 3rd pillar comparator really transparent?
Unlike the rest of the Swiss market, we include all 3rd pillar offers direct from the companies in your comparison. This way, you can verify all the figures we give you.

  Akshay Bhange
Akshay Bhange
April 13, 2025
I had a chat with David Bolognesi, he's a nice guy and suggested a very good comparison for my 3a piller.

Thanks for the effort in my case.
Julia Raju
Julia Raju
January 30, 2025
Thank you for the existence of this organization, which should be of major public interest, given all the different investment solutions available in Switzerland...

Once again, thank you Mr Hamo, thank you Sparta Group.

Best wishes for the future.
Victor Lions
Victor Lions
January 29, 2025
Xavier listens, explains clearly and effectively.

I recommend it!
Farmin Qiu
Farmin Qiu
November 20, 2024
I used this service to get advice on the third pillar and I recommend them without hesitation.

I got in touch with David who was very transparent and efficient.

I like his style and appreciate his time.
Denis Thioly
Denis Thioly
November 15, 2024
Dear Mr. Marchand,

I would like to thank you for your very efficient and prompt work

your kindness and positive attitude are much appreciated.

Yours sincerely Denis Thioly
V T
V T
November 7, 2024
I have concluded my agreement with the support of Mr. David Bolognesi.

Always ready to provide support and further explanations.
Vincent David
Vincent David
October 21, 2024
Mr. Xavier Hamo of Sparta Group gave me excellent advice.

His explanations were clear and understandable.
Geoffrey Soussi
Geoffrey Soussi
October 8, 2024
Mr Gaëtan Pembele has given me excellent advice and guidance on the various aspects of the 3rd pillar.

He has been indispensable and inspires the confidence and sympathy I would expect from an advisor.
Rashmi Chopra
Rashmi Chopra
August 8, 2024
Excellent and trustworthy, I highly recommend Mr. David Bolognesi.

I've never seen a more diplomatic, competent and hard-working professional in this field than him.
Jessica Esteves
Jessica Esteves
June 28, 2024
I'd be happy to recommend Mr Pembele as my pension advisor.

I really appreciated his availability and responsiveness.
Karolane Saint-Félix
Karolane Saint-Félix
May 9, 2024
Excellent service! We recommend it!

Personalized service and fast turnaround. I am delighted!

Thanks for everything Xavier 🙂
Albert G. Baliarda
Albert G. Baliarda
December 29, 2023
It was all free of charge, even if the end products I was interested in weren't from Groupe Sparta.

I'd certainly recommend their service.
Simone Curtet
Simone Curtet
April 30, 2024
Friendliness and competence sum up the discussions and advice I received from Xavier.

Thank you very much.
Albert G. Baliarda
Albert G. Baliarda
December 29, 2023
I was offered free, independent, personalized advice following a simulation I had carried out myself on the site, and that's exactly what I got.
Biofa aka
Biofa aka
December 8, 2023
Many thanks for Gaëtan's advice, which has been invaluable for my financial future.

I highly recommend SpartaGroup's services.
Biofa aka
Biofa aka
December 8, 2023
Super, very useful and pleasant to deal with.
Drbi 77
Drbi 77
December 7, 2023
Super, effective advice without pushing in either direction, attentive and reliable.
J M
J M
December 2, 2023
Great experience talking to D. Bolognesi. Very professional and straightforward advice. Thank you!
Blanco Juan
Blanco Juan
November 25, 2023
Neutral advice provided by David, without trying to push anything, adapted to my situation. Much appreciated.
Blanco Juan
Blanco Juan
November 25, 2023
Brokers who stand out from the crowd ... It's remarkable! Many thanks for your invaluable advice, your professionalism is a credit to you!
Tarkhovski
Tarkhovski
November 20, 2023
Excellent advice, Mr Hamo's explanations were very clear and relevant to my situation and needs.
Joana R. Ribeiro
Joana R. Ribeiro
November 13, 2023
I absolutely recommend the clear explanations, transparent and personalized advice for the preparation of a pension plan. ...
Aurélie Chalverat
Aurélie Chalverat
November 11, 2023
Mr Hamo gave me excellent advice on my third pillar. Cordial and constructive, the discussions always took into account my specific needs. ...
Alvise Cenere
Alvise Cenere
November 4, 2023
I've used this service to get advice on the third pillar and would recommend them without hesitation. I got in touch with David, who was very transparent and efficient, and gave me a clear overview of my options.
Irène Overney
Irène Overney
October 18, 2023
Our advisors are highly responsive and fully aware of the different options and constraints that apply to their customers' profiles. I highly recommend their services.

We’ll support you all the way and beyond, free of charge.

Example of a 3rd pillar comparison

(Fictional numbers)

The importance of comparing Swiss 3rd pillar 3A products for the self-employed

The Swiss pension system is structured around three pillars, each with a specific role to play in guaranteeing the financial security of its citizens. The self-employed third pillar, also known as personal pension provision for the self-employed, is particularly essential for self-employed professionals, who are often more exposed to financial risks.

The self-employed 3rd pillar enables them to build up voluntary savings to make up for the shortcomings of the first two pillars, which are generally less advantageous or less accessible to them. Unlike salaried employees, who are automatically covered by a compulsory occupational pension scheme (2nd pillar), self-employed people have to make their own provision for retirement, disability or death.

Here’s why it’s so important to compare independent third pillar offers using a specialized calculator:

Tax optimization for the self-employed

The self-employed benefit from particularly attractive tax opportunities under the 3A third pillar. The amounts paid in are deductible from taxable income, considerably reducing their annual tax burden. A detailed comparison will help you identify the offer that maximizes this advantage.

Returns and conditions tailored to self-employed workers

Not all institutions offer equally advantageous products for the self-employed. It’s essential to evaluate rates of return, specific early withdrawal conditions for professional investments or flexibility in the face of income variations inherent in self-employment.

Flexibility essential for self-employed workers

As self-employed people’s incomes can fluctuate, flexibility in payments is vital. Some self-employed 3rd pillar products allow you to freely adjust the amounts or temporarily suspend payments, ensuring management adapted to your economic activity.

Customized cover

Self-employed third pillar contracts can include tailor-made cover, such as disability or death insurance, specifically adapted to the needs and risks of the self-employed. Careful comparison guarantees adequate protection.

Cost transparency

This comparison helps to identify hidden or high costs that can significantly reduce net returns. It is vital for self-employed people, who manage their finances directly, to have a clear view of these costs to safeguard their long-term interests.

Encouraging competitiveness

Regularly comparing offers stimulates competitiveness between financial institutions, encouraging innovation and continuous improvement in the solutions offered to the self-employed.

Effective preparation for the future

The self-employed third pillar is essential to ensure a comfortable retirement, the realization of future projects or financial security in the event of unforeseen circumstances. By using a neutral, free comparison service, you can be sure of making the right choices to help you achieve your personal and professional financial goals.

In short, the independent third pillar is an essential component of the Swiss pension system for the self-employed. Choosing carefully with the help of a suitable comparator not only guarantees maximum tax and financial optimization, but above all offers lasting peace of mind for you and your loved ones.

Other articles on 3rd pillar 3A and 3B