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Third Pillar Financial Planning

Secure Your Financial Futurewith the Swiss 3rd Pillar (3A / 3B)

Build your savings, reduce your taxes, and protect your loved ones — all in one flexible solution.

Why It's So Important to Start Early

The Swiss 3rd Pillar is one of the most powerful tools for long-term financial security and tax optimization.

Tax Efficiency

Annual contributions up to CHF 7,258 in 2025 are fully deductible from taxable income.

CHF 2,500
Max tax savings/year

Compound Growth

The earlier you start, the more your capital compounds — turning regular contributions into a solid retirement fund.

40 years
Optimal horizon

Protection & Flexibility

Combine savings with insurance protection for your family in case of death or disability.

3A + 3B
Combined solutions

The Impact of Starting Early - Interactive Calculator

CHF 40,000CHF 80,000CHF 200,000
CHF 1,400CHF 2,000CHF 2,500
Important: These figures are average estimates. Your personal situation (marital status, number of children, canton of residence) affects the actual calculation. For an exact estimate, book a consultation.
25 years25 years55 years
60 years65 years70 years

Starting at 25 years old

Savings period: 40 years
CHF 290,320
Total Contributions
CHF 80,000
Tax Savings
CHF 631,849
Final Capital

Adjust the sliders to see how your salary and starting age affect your retirement capital!

Estimate Your Tax Savings and Growth

Discover how much you can save and how your capital can grow over time.

CHF 40,000CHF 80,000CHF 200,000
CHF 1,000CHF 5,000CHF 7,258 (max)
15%25%40%

Compound Growth Projection

1%3.5%6%
5 years30 years45 years

Your Tax Savings

CHF 1,250
per year
Over 10 years
CHF 12,500

Growth Projection

Total Contributions:CHF 150,000
Total Tax Saved:CHF 37,500
Estimated Final Capital:CHF 264,755

My Top 3 Recommendations for Pillar 3A/3B in Switzerland

After 10+ years of experience as a FINMA-licensed advisor, here are my three favorite solutions that offer the best balance of flexibility, growth, and security.

🏆 MY TOP RECOMMENDATION
1

AXA SmartFlex

My Top Recommendation

AXA SmartFlex is a modern and flexible 3A solution that allows you to combine long-term retirement savings with investment growth and protection benefits.

Full control from your mobile app or online portal - easily adjust your investment exposure, change your monthly contributions, or temporarily pause payments at any time.
Choose between 3A (tax-deductible) or 3B (non-deductible) versions, and even switch between them if you move abroad.
Ideal for professionals and expats who want flexibility, transparency, and growth potential backed by a major Swiss insurer.

Why I Recommend It

  • Maximum flexibility
  • Advanced digital management
  • Expat-friendly
  • High growth potential
🥈 MY RECOMMENDATION #2
2

SwissLife Dynamic Elements Duo

Dynamic Performance-Security Balance

The Dynamic Elements Duo is a flexible and dynamic savings solution from SwissLife that lets you participate in the financial markets while maintaining a degree of security.

The contract automatically balances between a secure component and an investment component, adapting to your risk tolerance and market conditions.
Designed for long-term investors who want a mix of performance and stability.
Can be pledged for a mortgage or used for real estate financing in Switzerland.

Key Benefits

  • Automatic balancing
  • Market participation
  • Guaranteed security
  • Real estate financing
🥉 MY RECOMMENDATION #3
3

PAX 3A

Solid and Traditional Savings Plan

PAX offers one of the most stable and reliable 3A savings options on the market.

Their 3A life insurance solution combines guaranteed capital with attractive participation in investment returns.
Particularly suitable for clients who wish to secure their family's financial protection.
Building long-term retirement capital with tax benefits, emphasizing security and predictability.

Perfect For

  • Conservative investors
  • Family protection
  • Guaranteed capital
  • Long-term stability

Which Solution is Right for You?

Every financial situation is unique. As a FINMA-licensed advisor with 10+ years of experience, I help you choose the perfect solution for your goals and risk profile.

Get Your Personalized Strategy

Every financial situation is unique. Get a personalized 3rd Pillar strategy tailored to your profile.

Personal Information

Financial Information

My Top 3 Recommendations

Based on my 10+ years of experience, here are my three favorite providers. Select those that interest you to receive comparative quotes.

Coverage Options & Special Requests

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You will receive your personalized analysis within 24 hours.

Ready to Build Your Future with Confidence?

FINMA-registered independent insurance and pension advisor — ensuring transparency, compliance, and personalized solutions.

FINMA Registration: F01519559
Mathias SudresMathias Sudres

FINMA-registered independent insurance and pension advisor specializing in Swiss retirement planning and comprehensive insurance solutions.

FINMA Registration:

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