Third Pillar 2023

Deduct up to 7,056.- / year from your taxes.

Third Pillar

Deduct 7,056.- / year in taxes.

Flash offer until July 8, 2024

CHF 200 free with all new 3rd pillar insurance!

Flash offer until July 8, 2024

CHF 200 free with all new 3rd pillar insurance!

100% Free

Neutral

Transparent

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 I be sure that my 3rd pillar 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 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.

Nuria Sancho Oltra
Nuria Sancho Oltra
May 5, 2023
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I asked for an initial overview, which was then adapted to my specific needs. All this was free of charge, even if the end products I was interested in were not those enjoyed by Groupe Sparta.
I would definitely recommend their service.
Simone Curtet
Simone Curtet
April 30, 2024
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Friendliness and competence sum up the exchanges and advice I received from Xavier.
Thank you very much.
Albert G. Baliarda
Albert G. Baliarda
December 29, 2023
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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
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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
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Super, very useful and pleasant to deal with.
Drbi 77
Drbi 77
December 7, 2023
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Super, effective advice without pushing in either direction, attentive and reliable.
J M
J M
December 2, 2023
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Great experience talking to D. Bolognesi. Very professional and straightforward advice. Thank you!
Blanco Juan
Blanco Juan
November 25, 2023
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Neutral advice provided by David, without trying to push anything, adapted to my situation. Much appreciated.
Blanco Juan
Blanco Juan
November 25, 2023
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Brokers who stand out from the crowd ... Remarkable! Many thanks for your invaluable advice, your professionalism is a credit to you!
Tarkhovski
Tarkhovski
November 20, 2023
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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
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I absolutely recommend the clear explanations, transparent and personalized advice for the preparation of a pension plan. ...
Aurélie Chalverat
Aurélie Chalverat
November 11, 2023
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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
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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
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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.
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Example of a 3rd pillar comparison

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.

More information on how the 3rd pillar 3A works