With a pillar 3a, you’ll be able to lead a self-determined life when you’re older: you improve your pension, close any gaps in coverage and benefit from tax advantages.
The advantages of a pillar 3a:
- Tax advantages
- Retirement provisions
- Protecting your loved ones
Pillar 3a – from an insurance company or bank?
You can take out a pillar 3a product either with an insurance company or a bank. Both offer different solutions – depending on how much security or potential returns you want. The right 3a solution depends on your personal goals, your financial situation and your need for security or flexibility.
Insurance solution – with additional protection
An insurance solution offers risk protection in addition to savings. You can cover gaps in income in the event of disability and protect your family financially in the event of death. Although you commit to a longer term, you benefit from a structured savings plan that enables you to reach your savings target, even in the event of disability, thanks to a waiver of premium.
Bank solution – stay flexible and in control
If you are purely interested in tax-privileged savings and do not need additional insurance protection, a bank solution is often sufficient. You can adjust the contributions flexibly – depending on your financial situation. You need to have self-discipline when it comes to saving, as there is no contractually binding contribution.
Would you like a consultation?
We provide comprehensive advice tailored to your goals at a place of your choice.
Why Swiss Life?
Security that endures: protect what really matters to you – with our reliable “Made in Switzerland” provisions.
Solutions as individual as you are: we focus on your goals – we tailor your cover to suit every phase of life.
Trust spanning generations: benefit from Swiss Life’s more than 165 years of experience and strength – for a financially self-determined life.
How does a pillar 3a consultation work?
1. Your goals, wishes and needs
During a free initial consultation, we will analyse your financial situation and discuss your goals, wishes and needs.
2. Your individual analysis
If you want, we will then analyse your overall pension, insurance and financial situation as the basis for your personal proposed solution.
3. Your tailor-made solution
In a second meeting, you will receive your personal analysis with your individual proposed solution and action plan, which forms a solid basis for your financial future.
4. The advisory process going forward
We support you over the long term, adjust your analyses free of charge during the five-year mandate and make it possible to make flexible adjustments if your life situation changes.