Comparez les meilleures offres 3ème pilier en moins de 3 minutes
Préparez votre avenir, augmentez votre épargne et réduisez vos impôts en trouvrant l’offre 3ᵉ pilier la plus adaptée à votre profil.
Pourquoi souscrire à un 3ème pilier ?
Avec ses avantages fiscaux, ses rendements et son épargne retraite, le 3ème pilier est l’un des moyens les plus fiables pour renforcer durablement votre sécurité financière.
Réduisez votre imposition
Le 3ème Pilier :
✔ Réduit l'impôt sur le revenu
✔ Capital exonéré de l’impôt sur la fortune
✔ Croissance de votre épargne
✔ Intérêts et gains non fiscalisés
✔ Allégez votre charge fiscale dès aujourd’hui
Sécurisez votre retraite
Seulement 60 % de votre retraite couverts par l’AVS et la LPP ?
✔ Augmentez vos revenus de retraite
✔ Utilisez votre 3ᵉ pilier pour investir ou devenir propriétaire
✔ Préparez une retraite plus libre et confortable
- Le 3e pilier : bien plus qu’une épargne, une vraie stratégie d’avenir.
- Le 3ᵉ pilier : une stratégie essentielle pour préserver votre niveau de vie à la
retraite
Assurez-vous contre les imprévus
Le 3e pilier sécurise votre avenir :
✔ Capital versé à vos proches en cas de décès
✔ Revenu assuré en cas d’invalidité
✔ Protégez vos proches face aux imprévus
✔ Exonération des primes en cas d’incapacité
✔ Capital garanti selon le type de 3ᵉ pilier
Analyse de votre profil et comparaison transparente de vos options de 3ème pilier
Personalized analysis of your situation
Estimating your retirement pensions
Recommendations adapted to your status (employee, self-employed, SARL manager)
Simulation of tax benefits according to your place of residence (canton, municipality or cross-border status)
Optimizing your savings and disability protection
Assessment of your pension needs (3rd pillar, disability insurance)
Precise calculation of the exit tax on your pension capital
Advice and comparison
Comparing 3rd Pillar A vs 3rd Pillar B
Selection between banking or insurance solutions
Adaptation according to your objectives (safety, efficiency, flexibility).
Assessment of your shortcomings in the event of disability or death.
Continuous monitoring and optimization
Transparent explanation of conditions and fees
Annual follow-up to adjust your strategy
Assistance to optimize your tax return
Trouvez la meilleure offre 3ème pilier selon votre profil et vos objectifs
OBTENIR MON COMPARATIF
Why did +8,000 customers choose us?
Certified expertise
Graduates of the Federal Certificate of Financial Adviser
Total independence
Objective comparison of the best offers
Guaranteed fiscal optimization
Immediate savings on your taxes
Human and transparent support
No jargon, no unpleasant surprises
Découvrez combien vous pourriez économiser chaque année
An employee who does not contribute to the 3rd pillar A lets up to CHF 2,200 in tax savings pass by per year.
In 10 years, this represents more than 22,000 CHF lost!
- These projections are estimates, not guarantees.
- The returns shown are net of an annual fee of 0.8% (management, funds and administration) and may vary.
- Your real results will depend on the duration of your investment, your risk profile (conservative, balanced, growth), your age and the performance of the market.
- We present three scenarios (conservative, expected, optimistic) to illustrate different possible outcomes.
- Do you need personal advice? Contact one of our certified Planifique SARL consultants.
Comparez vos options 3ème pilier et prenez la meilleure décision
✔ Estimez vos économies d’impôts en quelques minutes
✔ Voyez quelle solution offre le meilleur équilibre rendement / sécurité
✔ Découvrez les options adaptées à votre situation
Our customers talk about us
+6000 satisfied customers
Testimonies
Still having doubts?
We answer your questions
Can I change my contributions along the way?
Yes, according to the conditions set out in your contract. It is often possible to increase, decrease or temporarily suspend your contributions, especially in the event of a change in personal situation such as unemployment, divorce or a drop in income.
Is my capital locked up?
3rd Pillar A: the capital is locked up to 60 years with exceptions -> financing of the main residence (Contribution or renovation or debt), travel abroad, transition to self-employment, disability or death
3rd Pillar B: no blockage. You can withdraw at any time with no strings attached.
What is the difference between 3rd pillar A and B?
The 3rd pillar A is linked to your occupational pension plan (LPP).
It is capped at 7,258 CHF/year for employees.
For self-employed persons, the limit is 20% of income, with a maximum of CHF 36,288. It offers a national tax advantage: contributions are deductible from income.
Capital is exempt from wealth tax.
On the other hand, it is taxed at the exit (at a reduced rate).
Pillar 3 B is more flexible. There is no payout limit.
It is only tax deductible in Geneva and Fribourg.
Capital is not taxed upon exit.
But it is subject to wealth tax for the duration of the contract.
