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Pensions in Switzerland: independent pension advice

To ensure financial security after retirement, it is important to review your pension regularly. Our brokerage partner Optimatis and its contracting companies can advise you on the subject of pensions free of charge.

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Discover our tools for simulating your pension, calculating 3a tax savings and comparing 3a interest rates.

Understanding the three-pillar system

Comparis provides tips and explanations on the topic of retirement provision in Switzerland, with its 3 pillars. These cover you financially in old age, and in the event of disability or death.

Your pension consultation with Optimatis

Our brokerage partner Optimatis and its contracting companies offer you a free consultation. The focus is on your personal situation and your needs in old age.

Care-free retirement

Well prepared for old age

Optimatis and its contracting companies will devise a personalized pension plan with you, taking account of various options.

Optimized savings and returns

Optimized savings and returns

The experts identify which solution will yield the best third pillar returns and help you save on tax at the same time.

Protection against risk

Protect yourself against risk

The experts show you how best to protect yourself in the event of disability or death, and how to prepare for retirement.

Care-free retirement

Well prepared for old age

Optimatis and its contracting companies will devise a personalized pension plan with you, taking account of various options.

Optimized savings and returns

Optimized savings and returns

The experts identify which solution will yield the best third pillar returns and help you save on tax at the same time.

Protection against risk

Protect yourself against risk

The experts show you how best to protect yourself in the event of disability or death, and how to prepare for retirement.

3 steps to your personal pension solution

Explore the topic of pensions in detail and get an accurate picture of your financial situation:

Your personal pension expert from our brokerage partner Optimatis or its contracting companies will discuss your concerns and compare a range of pension providers for you. They will identify which products best meet your needs, optimize your returns, and support you in achieving the financial security you’re seeking.

Now you know what products are suitable for you, you can select the one that best fits your needs and start saving for retirement straightaway. As you are also reducing risks and lowering your tax burden, you can look forward to your future with confidence.

Calculate your personal retirement income

Use our tools, services and simulations to explore your pension options.

 

Pillar 3a interest rates compared

How much interest do the different 3a pension providers offer?

Digital pension apps

Compare the fees of the digital pillar 3a apps offered by pension funds.

Pillar 3a tax calculator

Our calculator shows you how much tax you can save with pillar 3a.

FAQs on pensions in Switzerland

The maximum tax-free contribution for pillar 3a in 2024 is CHF 7,056 for employees, and CHF 35,280 for self-employed people.

It’s easy to switch to a different pillar 3a provider if your funds are held by a bank. No termination is necessary. If your savings are held by an insurance company, early termination of the contract and switching to a different provider can lead to high losses.

Investments in pillar 3b banking products cannot be deducted from taxable income. However, the advantage is that you are free to decide how you want to invest your money. In the case of life insurance with a savings element, the annual income from pillar 3b is also tax-free.

When you purchase a property, you can withdraw retirement savings from your 2nd and 3rd pillar funds ahead of time, or pledge them. This increases your own resources, making it easier to take out a mortgage.

The 2nd and 3rd pillars are not compulsory for self-employed people. However, it is advisable to save pension funds independently. You should also have insurance to ensure the continued payment of wages and pensions in the event of an illness or accident.

The conversion rate for the mandatory part of the occupational pension (BVG/LPP) (income between 22,050 and 88,200 francs) is determined politically and is the same for all occupational pension funds (6.8%). If you earn above 88,200 francs, pension funds are free to set their own conversion rates. Here, the conversion rates are usually much lower.

You can choose to receive a lump sum, an annuity or a combination of both. The pros and cons of each option depend on your personal circumstances.

Employers and employees split social insurance contributions equally. The following is deducted from employees’ salary:

  • old-age survivors insurance (OASI), disability insurance (DI) and loss of earnings compensation: 5.05%;

  • unemployment insurance: 1% of gross salary up to 106,800 francs:

  • occupational pension: about 7.5% (depending on age group)

  • accident insurance: about 0.8%.

You can find all important information in a brochure from the Federal Office of Social Insurance: social insurance: staying in Switzerland and abroad. Information for foreign nationals

What clients say about Optimatis

Google rating
5/5
(2 reviews)
Having just moved to Switzerland from abroad, I felt it was important to obtain comprehensive advice. All the details of all types of insurance were explained to me clearly and in a way that was easy to understand.
Niklas Bayrle
25.08.2021
Google rating
5/5
(6 reviews)
Mr Lambert offers straightforward and professional pension advice. My questions regarding pensions and tax were answered during the consultation. I would happily recommend Optimatis to others.
Peter J. Zehnder
28.02.2021
Google-Rating
5/5
(4 reviews)
Mr Kläui kindly advised me on my pillar 3 options. He addressed my concerns and thoughts on the subject very well.
Annikka Sidler
09.03.2021
Google rating
5/5
(2 reviews)
Having just moved to Switzerland from abroad, I felt it was important to obtain comprehensive advice. All the details of all types of insurance were explained to me clearly and in a way that was easy to understand.
Niklas Bayrle
25.08.2021
Google rating
5/5
(6 reviews)
Mr Lambert offers straightforward and professional pension advice. My questions regarding pensions and tax were answered during the consultation. I would happily recommend Optimatis to others.
Peter J. Zehnder
28.02.2021
Google-Rating
5/5
(4 reviews)
Mr Kläui kindly advised me on my pillar 3 options. He addressed my concerns and thoughts on the subject very well.
Annikka Sidler
09.03.2021

Contact Optimatis

Do you have questions on the subject of pensions? Would you like to be advised by experts from Optimatis? Fill out the contact form for a free, no-obligation appointment.

+41 44 559 54 00

info@optimatis.ch
Messages are answered within 15 hours on average

Mon-Fri
8 a.m. to 12 p.m.
1.30 p.m. to 5.30 p.m.