- 41 banks and insurance companies see the list
- Received in 3 minutes
- No need to speak to an advisor first!
- 🎁 CHF 200 free for any 3rd pillar insurance!
Third Pillar
Deduct up to CHF 7,258 / year from your taxes.
- 41 banks and insurance companies
- Customized comparison
- Received in 3 minutes
Flash offer until February 28, 2025
CHF 200 free with all new 3rd pillar insurance!
100% Free
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Transparent
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.

Once again, thank you Mr Hamo, thank you Sparta Group.
Best wishes for the future.

I recommend it!

I got in touch with David who was very transparent and efficient.
I like his style and appreciate his time.

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

Always ready to provide support and further explanations.

His explanations were clear and understandable.

He has been indispensable and inspires the confidence and sympathy I would expect from an advisor.

I've never seen a more diplomatic, competent and hard-working professional in this field than him.

I really appreciated his availability and responsiveness.

Personalized service and fast turnaround. I am delighted!
Thanks for everything Xavier 🙂

I'd certainly recommend their service.

Thank you very much.


I highly recommend SpartaGroup's services.










We’ll support you all the way and beyond, free of charge.
The importance of comparing 3rd pillar products in Switzerland
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 third pillar, also known as individual pension provision, is a voluntary pillar designed to fill any gaps in the first two pillars. The Swiss have the opportunity to save on an individual basis, often with tax advantages, to secure their retirement, finance projects or guarantee cover in the event of hard times.
However, there are many offers associated with the 3rd pillar, and it is essential to compare them using a Swiss 3rd pillar calculator for various reasons:
Tax optimization
Payments made under Pillar 3A and in some cases Pillar 3B can be deducted from taxable income, but offers vary in terms of conditions. By comparing, you can ensure that you take full advantage of the tax benefits available.
Performance and conditions
Not all financial institutions offer the same rates of return for a 3rd pillar. Comparison is crucial to ensure that your savings grow optimally. What’s more, it’s essential to understand the associated conditions, such as the possibility of early withdrawal or death and disability clauses.
Flexibility
Some 3rd pillar products offer greater flexibility, allowing you to vary the amounts paid in, temporarily suspend payments or adjust your investment strategy. Comparing these offers allows you to choose the one that best suits your situation and future needs.
Related coverage
Some 3rd pillar contracts also include guarantees in the event of death, disability or specific risks. It is therefore essential to compare these coverages to ensure that you benefit from the protection you want.
Cost transparency
As with any financial product, it’s vital to understand the associated fee structure. Some contracts may look attractive in terms of yield, but a closer comparison may reveal hidden or high fees that affect net returns.
Market competitiveness
Regular comparison of 3rd pillar offers encourages financial institutions to remain competitive, innovate and adjust their offerings to best meet customer needs.
Preparing for the future
The 3rd pillar is an essential tool for preparing for retirement or future projects. A careful comparison ensures that you’re on the right track to achieving your long-term financial goals.
In short, the 3rd pillar is a key element of the Swiss pension system, offering a unique opportunity for individual financial preparation. Using a neutral, free 3rd pillar comparator guarantees not only tax and financial optimization, but also peace of mind in the knowledge that you have made an informed choice for your future and that of your loved ones.