Name: Sparta Group S.A.
Rating: 5.0

3rd pillar 3A in insurance

Deduct up to CHF 7,258 / year from your taxes.

100% Free

Neutral

Transparent

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

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

See the 200 reviews

Thank you to Mr Yoann Pfersich for his kindness, availability and professionalism.

I highly recommend him!

I was completely lost as to what options I needed regarding Pillar 3a.

David Bolognesi explained everything clearly and simply.

I'm very grateful for his honesty.

David Bolognesi is an excellent and very professional financial advisor.

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.

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.

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 Sparta Group.

I wish you all the best for the future.

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.

I would like to thank you for your fast and efficient work

your kindness and positive attitude 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.

Excellent service! We recommend it!

Personalized service and fast turnaround. I am delighted!

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 exchanges and advice I was able to obtain.

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 the advice, which has been invaluable for my financial future.

I highly recommend SpartaGroup's services.

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

Example of a 3rd pillar comparison in 3A insurance

(Fictional numbers)

The importance of comparing 3rd pillar insurance offers

The Swiss pension system is based on three pillars, each of which plays a crucial role in long-term financial security. Among them, the third pillar in insurance, also known as individual pension provision, is a voluntary solution designed to supplement 1st and 2nd pillar benefits. It enables Swiss citizens to build up personal savings – often tax-advantaged – to prepare for retirement, finance projects and guard against the unexpected.

In this context, taking out 3rd pillar insurance is a strategic decision. But with so many different products on offer, it’s essential to compare third-pillar insurance products carefully. Using a Swiss 3rd pillar calculator allows you to make an informed choice based on several criteria:

Tax optimization

Contributions to 3rd pillar insurance plans (notably 3rd pillar 3A and sometimes 3B) can be deducted from taxable income. However, conditions vary from one provider to another. Compare third-pillar insurance solutions to maximize these tax advantages.

Performance and conditions

Not all institutions offer the same performance levels for their 3rd pillar insurance. For your savings to grow efficiently, it’s crucial to compare returns, early withdrawal conditions, and guarantees in the event of disability or death.

Flexibility

Some3rd pillar insurance products offer invaluable flexibility: modulation of payments, temporary suspension, adjustment of investment strategy… These are just some of the factors to take into account when choosing an insurance product tailored to your needs.

Coverage and protection

Beyond the savings aspect, manythird-pillar insurance contracts include cover for death, disability and other risks. Comparing these guarantees is essential to protect your loved ones and secure your future.

Cost transparency

Good returns can be offset by excessive costs. By comparing3rd pillar insurance policies, you can more easily identify hidden costs and choose the most cost-effective solution.

Market competitiveness

Competition between players in thethird-pillar insurance market stimulates innovation, improves terms and conditions, and enables you to benefit from ever more advantageous offers.

Preparing for the future

The third pillar in insurance is an indispensable tool for preparing for retirement or other life projects with peace of mind. Choosing the right insurance guarantees lasting financial security.

In short, taking out a 3rd pillar insurance policy that’s right for you is a crucial step in securing your future and that of your loved ones. Using a neutral, free 3rd pillar comparator allows you to optimize your tax advantages, choose the best insurance, and invest in your future with confidence.