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Find the best 3rd pillar for your situation

Compare offers from over 35 bank and insurance partners for free. Independent and personalized advice for over 20 years.

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📈 35+ partners
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How does it work?

A simple and transparent process to find the right 3rd pillar for you.

1

Request

Fill in our form in 2 minutes. Describe your situation and needs.

2

Compare

We search for the best offers among our 35+ bank and insurance partners.

3

Choose

Your advisor presents the options. You choose freely, with no obligation.

Which 3rd pillar to choose?

Discover the different options and find the one that matches your profile.

Tied pension

Pillar 3a

Full tax deduction, regulated withdrawal conditions.

Flexible pension

Pillar 3b

Total flexibility, no ceiling, withdraw at any time.

Flexible savings

3rd pillar bank

Free contributions, no commitment, variable returns.

Combined protection

3rd pillar insurance

Guaranteed capital, death and disability coverage included.

Special case

Cross-border workers

Specific conditions and benefits for cross-border workers.

Higher ceiling

Self-employed

Up to CHF 36'288.- deductible per year without LPP affiliation.

3rd pillar ceilings 2026

Employee (LPP affiliated)

CHF 7’258.-

per year

Self-employed (without LPP)

CHF 36’288.-

per year (max. 20% of income)

Source: OFAS. Indicative amounts and thresholds. Official amounts are published annually by the FSIO. Contact us for a personalized analysis of your situation.

Our partners

Over 35 banks and insurance companies compared

La Mobiliere
AXA
Generali
Swiss Life
Allianz
Groupe Mutuel
Zurich
Vaudoise
Pax
Helvetia
Retraites Populaires
VIAC
Liechtenstein Life

Frequently asked questions

What is the 3rd pillar?
The 3rd pillar is the voluntary individual pension plan in Switzerland. It complements the benefits of the 1st pillar (AHV/AVS) and the 2nd pillar (BVG/LPP) to maintain your standard of living in retirement. It comes in two forms: pillar 3a (tied, with tax benefits) and pillar 3b (flexible, more freedom).
How much can I contribute to my 3rd pillar?
In 2026, the annual pillar 3a ceiling is CHF 7’258.- for employees affiliated with a pension fund (LPP/BVG). Self-employed individuals without LPP can contribute up to CHF 36’288.- (max. 20% of net income). Source: FSIO.
Is the comparison service really free?
Yes, our service is entirely free for you. We are compensated by our partners (banks and insurance companies) in the form of commissions. This does not affect the terms of your contract. You benefit from independent advice at no cost.
What is the difference between a bank and insurance 3rd pillar?
A bank 3rd pillar offers more flexibility (free contributions, no commitment period). An insurance 3rd pillar includes additional coverage (death, disability) and guarantees capital. The choice depends on your goals: pure savings or combined protection. Learn more.
Can I make up for missed contribution years?
Since January 1, 2026, yes. Retroactive buy-back allows you to fill 3a contribution gaps from previous years (starting from 2025), up to 10 years back. The maximum buy-back amount is CHF 7'258.- per gap year, in addition to your regular contribution. Learn more.
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