Equity or BVG pension for retirement in 2026?
Since January 1, 2024, the taxation of private life annuities has changed, making them much more attractive than before.
Instead of being taxed at 40%, as was previously the case, they will now be taxed for their entire duration at 4%, for annuities starting in 2026!
The BVG pension (your second pillar when you retire), on the other hand, is taxed at 100% on income.
This raises a question:
Wouldn’t it be better to take out your second pillar in the form of a credit (taxed on income at a reduced rate) and use it to create a private life annuity that also guarantees you a benefit for life?
The idea is appealing, and the advantages are not limited to taxation. You can also offer your testamentary beneficiaries 100% of the remaining invested amount in the event of your death, or even allow your partner to benefit from the same annuity for life after your death, which is impossible with a standard BVG annuity.
But would the amounts be the same? No. In some cases and for some companies, they are higher, and in others, lower.
That’s why we’ve created this comparator to find the best solution for you, and advise you free of charge on the advantages and disadvantages of each.
We’ll help you find a better solution than the standard BVG pension.
Your data will only be used internally, in accordance with article LSA 45.
As official partners of almost the entire Swiss market, we are directly remunerated by these 7 companies, at no extra cost to you.
How can I be sure that our annuity advisor 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 annuity comparator really transparent?
Unlike the rest of the Swiss market, we include all annuity offers direct from the companies in your comparison. This way, you can verify all the figures we give you.
I highly recommend him!
David Bolognesi explained everything clearly and simply.
I'm very grateful for his honesty.
He helped me to clearly understand all the details of Pillar 3a and guided me towards the solution best suited to my personal situation.
I am very satisfied with his advice and support. Thank you very much.
Thanks for the effort in my case.
Once again, thank you Sparta Group.
I wish you all the best for the future.
I got in touch with David who was very transparent and efficient.
I like his style and appreciate his time.
your kindness and positive attitude are much appreciated.
Yours faithfully Denis Thioly
Always ready to provide support and further explanations.
Personalized service and fast turnaround. I am delighted!
I'd certainly recommend their service.
Thank you very much.
I highly recommend SpartaGroup's services.
