Name: Sparta Group S.A.
Rating: 5.0

The Best 3rd Pillar 2025

How to find the best Swiss 3rd pillar in 2025?

Most banks and insurance companies each offer several 3rd pillar solutions, and the differences between them are considerable.

So compare them all! according to your parameters, for this precise moment in your life.

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What questions should you ask yourself?

What is the purpose of your 3rd pillar?
Having an idea of your objective is essential, as it will define the probable duration of your 3rd pillar, and, depending on its duration, the recommended solutions will vary. So, are you saving for retirement? for a property purchase? a bit of both?

Do you prefer freedom or performance?
The longer your commitment, the more attractive the return. But perhaps you’re afraid of making a commitment because your financial situation is unstable?

What’s your risk appetite?
Another thing that greatly influences the type of solution made for you is the amount of risk you’re willing to take. The riskier the solution you choose, the larger the amounts you can project, but of course, there are no guarantees.

Are you interested in additional options?
Some solutions offer additional options, such as life insurance or disability insurance. What could be interesting for your situation?

There are many other parameters to take into account when looking for the best 3rd pillar in Switzerland. Thanks to our expert advisors, you can be sure you won’t miss a thing!

We compare 41 banks and insurance companies, each offering several 3rd pillar solutions, free of charge, to find the best 3rd pillar solution for you.

I 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.

I like his style and appreciate his time.

Dear Mr Marchand,

Thank you for your very efficient and fast work.

your kindness and positive mood are much appreciated.

Yours faithfully Denis Thioly

I have concluded my agreement with the support of Mr. David Bolognesi.

Always ready to provide support and further explanations.

Mr. Xavier Hamo of Sparta Group gave me excellent advice.

His explanations were clear and understandable.

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.

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.

I'd be happy to recommend Mr Pembele as my pension advisor.

I really appreciated his availability and responsiveness.

Excellent service! We recommend it!

Personalized service and fast turnaround. I am delighted!

Thanks for everything Xavier 🙂

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.

Friendliness and competence sum up the discussions and advice I received from Xavier.

Thank you very much.

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.

Many thanks for Gaëtan's advice, which has been invaluable for my financial future.

I highly recommend SpartaGroup's services

Super, very useful and pleasant to deal with.

Super, effective advice without pushing in either direction, attentive and reliable.

Great experience talking to D. Bolognesi. Very professional and straightforward advice. Thank you!

Neutral advice provided by David, without trying to push anything, adapted to my situation. Much appreciated.

Brokers who stand out from the crowd ... Remarkable! Many thanks for your invaluable advice, your professionalism is a credit to you!

Excellent advice, Mr Hamo's explanations were very clear and relevant to my situation and needs.

I absolutely recommend the clear explanations, transparent and personalized advice for the preparation of a pension plan. ...

Mr Hamo gave me excellent advice on my third pillar. Cordial and constructive, the discussions always took into account my specific needs. ...

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.

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.

See the 139 reviews

The Best 3rd Pillar 2025

100% Free

Neutral

Transparent

What questions should you ask yourself?

What is the purpose of your 3rd pillar?Having an idea of your objective is essential, as it will define the probable duration of your 3rd pillar, and, depending on its duration, the recommended solutions will vary. So, are you saving for retirement? for a property purchase? a bit of both?

Do you prefer freedom or performance?The longer your commitment, the more attractive the return. But perhaps you’re afraid of making a commitment because your financial situation is unstable?

What’s your risk appetite?Another thing that greatly influences the type of solution made for you is the amount of risk you’re willing to take. The riskier the solution you choose, the larger the amounts you can project, but of course, there are no guarantees.

Are you interested in additional options?Some solutions offer additional options, such as life insurance or disability insurance. What could be interesting for your situation?

Example of a 3rd pillar comparison

What is the purpose of your 3rd pillar?
Having an idea of your objective is essential, as it will define the probable duration of your 3rd pillar, and, depending on its duration, the recommended solutions will vary. So, are you saving for retirement? for a property purchase? a bit of both?

Do you prefer freedom or performance?
The longer your commitment, the more attractive the return. But perhaps you’re afraid of making a commitment because your financial situation is unstable?

What’s your risk appetite?
Another thing that greatly influences the type of solution made for you is the amount of risk you’re willing to take. The riskier the solution you choose, the larger the amounts you can project, but of course, there are no guarantees.

Are you interested in additional options?
Some solutions offer additional options, such as life insurance or disability insurance. What could be interesting for your situation?