Start preparing for your future today while paying less taxes
Compare the best 3rd pillar deals in under 3 minutes
Optimize your taxation and secure your retirement with a 3rd pillar adapted to your profile.
Prepare for your future, increase your savings and reduce your taxes by finding the 3rd pillar offer that best suits your profile.
Turn goals into sustainable financial results
Why subscribe to a 3rd pillar?
Why subscribe to a 3rd pillar?
With its tax advantages, returns and retirement savings, the 3rd pillar is one of the most reliable ways to sustainably strengthen your financial security.
Too much tax?
Lower your taxes
The 3rd Pillar:
✔ Reduces income tax
✔ Exempt your capital from wealth tax
✔ Grow your money without taxation
Start reducing your tax burden today.
The 3rd Pillar:
✔ Reduces income tax
✔ Capital exempt from wealth tax
✔ Growth in your savings
✔ Non-taxed interest and earnings
✔ Lighten your tax burden today
Only 60% of your pension covered by AVS and LPP?
Secure your retirement
Don't experience a drop in living standards.
✔ Increase your retirement income
✔ Optimize your 3rd pillar to invest and buy your home
✔ Plan a freer and more comfortable retirement
The 3rd pillar: much more than savings, a real strategy for the future.
Only 60% of your pension covered by AVS and LPP?
✔ Increase your retirement income
✔ Use your 3rd pillar to invest or become a homeowner
✔ Plan a freer and more comfortable retirement
- The 3rd pillar: much more than savings, a real strategy for the future.
- The 3rd pillar: an essential strategy to maintain your standard of living at
superannuation
Is your family really protected?
Insure against the unexpected
The 3rd pillar secures your future:
✔ Guaranteed capital in case of death
✔ Income maintained in the event of disability
Protect your loved ones from the unexpected.
The 3rd pillar secures your future:
✔ Capital paid to your loved ones in the event of death
✔ Insured income in case of disability
✔ Protect your loved ones from the unexpected
✔ Exemption from premiums in case of incapacity
✔ Guaranteed capital according to the type of 3rd pillar
Customized support to choose the best solution
Analysis of your profile and transparent comparison of your 3rd pillar options
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
Find out which solution is right for you
Find the best 3rd pillar offer according to your profile and your goals
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
Every year that is not optimized is money lost
Find out how much you could save each year
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.
Don't lose more money
Compare your 3rd pillar options and make the best decision
Immediate tax advantage
Capital that works for the long term
Flexible solutions adapted to your budget
✔ Estimate your tax savings in minutes
✔ See which solution offers the best balance between performance and safety
✔ Discover the options adapted to your 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.
