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 157 reviews

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 Mr Hamo, thank you Sparta Group.

Best wishes for the future.

Xavier listens, explains clearly and effectively.

I recommend it!

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.

Dear Mr. Marchand,

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

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 ... It's 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.

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 these, the third insurance pillar, 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, you can make an informed choice based on a number of 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 3rd pillar insurance solutions to maximize these tax advantages.

Performance and conditions

Not all institutions offer the same performance levels for their 3rd pillar insurance. To ensure that your savings 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 coverages is essential to protecting your loved ones and securing 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 of 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 decisive step towards securing your future and that of your loved ones. By using a neutral, free 3rd pillar insurance comparison service, you can optimize your tax advantages, choose the best insurance and invest in your future with confidence.