Swiss 3rd Pillar Comparator
Bank or insurance? Compare both types of 3rd pillar and find the solution adapted to your situation.
3rd Pillar Comparator: Bank vs Insurance
Compare both types of 3rd pillar to find the one that suits you
| Criterion | 3rd Pillar Bank | 3rd Pillar Insurance |
|---|---|---|
| Contribution flexibility | Full (free contributions) | Fixed annual premium |
| Commitment period | None | Fixed (often until retirement) |
| Death coverage | Not included | Included |
| Disability coverage | Not included | Often included |
| Guaranteed capital | No (market-dependent) | Yes (guaranteed amount) |
| Potential return | Variable (funds, ETFs) | Moderate but guaranteed |
| Management fees | Low to moderate | Higher |
| Early redemption | Free withdrawal (3a conditions) | Penalties for early redemption |
| Tax deduction | Same (3a ceiling) | Same (3a ceiling) |
| Ideal for | Flexible savers | Family protection |
The choice between bank and insurance depends on your personal situation, goals, and risk profile.
Receive a personalized comparisonHow to choose between bank and insurance?
The choice between a bank 3rd pillar and an insurance solution depends on several factors:
- Your age: younger profiles may prefer a bank for long-term returns
- Your family situation: a family with children may prefer insurance for death coverage
- Your risk tolerance: insurance offers guaranteed capital, while a bank offers variable returns
- Your desired flexibility: a bank allows free contributions, insurance requires a fixed premium
For a detailed analysis, see our bank or insurance guide.
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