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.
Click here for our simulation tools, from the tax calculator to the 3a interest rate comparison.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.
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
The experts identify which solution will yield the best third pillar returns and help you save on tax at the same time.
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.
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
The experts identify which solution will yield the best third pillar returns and help you save on tax at the same time.
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.
An essential guide to pensions in Switzerland
Frequently asked questions about retirement provision
The maximum tax-free contribution for pillar 3a in 2025 is CHF 7,258 for employees, and CHF 36,288 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 22,680 and 90,720 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: 5.3%;
unemployment insurance: 1.1% of gross salary up to 148,200 francs:
occupational pension: about 7.5% (depending on age group)
accident insurance: about 0.8%.
The most important information can be found on the page of the State Secretariat for Economic Affairs (SECO) (page not available in English).
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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.
info@optimatis.ch
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