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Is your Swiss retirement really secured?

AHV + BVG are not enough. Pillar 3 is the only lever you control to supplement your retirement and reduce your taxes. We help you optimise it.

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⭐ 4.9/5 · Over 1'250 clients assisted in Switzerland

Swiss retirement: a three-pillar system that is poorly understood

  • The AHV (1st pillar) covers on average 30% of the last salary – far too little to maintain your standard of living
  • The BVG (2nd pillar) varies enormously by employer and is often poorly coordinated
  • Pillar 3 is under-used despite its concrete and immediate tax benefits
  • Too many people confuse Pillar 3a (tied) and 3b (free), which have very different rules
  • Combined life insurance policies (savings + protection) are often poorly adapted and low-performing

This service is right for you if…

You don't yet have a Pillar 3 or want to optimise an existing one
You want to reduce your taxes legally and immediately
You are self-employed and need to compensate for the absence of a 2nd pillar
You have a family to support and want to protect them in the event of incapacity or death
You want to understand your real retirement gap
You are over 40 and realising that retirement is approaching

A complete retirement assessment and concrete solutions

  • → We calculate your real retirement gap (difference between your estimated pension and your needs)
  • → We compare bank 3a and insurance 3a solutions according to your profile and objectives
  • → We analyse your BVG and identify tax-advantageous voluntary buy-ins
  • → We recommend the best life insurance and disability pension solutions if necessary
  • → We coordinate all your pillars for seamless coverage without gaps or overlaps
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What we optimise for you

Pillar 3a — immediate tax deduction

In 2025, deduct up to CHF 7'258 from your taxable income. A single person can save up to CHF 2'000/year in taxes.

Disability pension (AI)

Disability can drastically reduce your income. Supplementary disability insurance protects your standard of living.

Life insurance & capital

In the event of premature death, your family must be able to maintain their standard of living. We calculate the necessary capital.

BVG buy-ins

Voluntary buy-ins into your pension fund allow you to reduce taxes AND increase your pension.

Retirement planning for the self-employed

Without a compulsory BVG, the self-employed can deduct up to CHF 35'280/year into a 3a. We structure your strategy.

3b — free savings

Pillar 3b offers maximum flexibility for medium-term projects (property, early retirement).

Common mistakes to avoid

  • ✗ Not opening a Pillar 3 account through lack of time or understanding of the concrete tax benefits
  • ✗ Choosing a rigid 3a insurance product over 20 years without understanding the consequences of an early surrender
  • ✗ Not diversifying by opening multiple 3a accounts at different banks to optimise staggered withdrawals
  • ✗ Ignoring the BVG retirement gap and not taking advantage of buy-ins before retirement
  • ✗ Taking out a mixed life insurance (savings + risk) without comparing the performance with a pure bank 3a
  • ✗ Withdrawing your 3a in a lump sum without a splitting strategy to reduce the tax burden

Our step-by-step process

01

Retirement assessment

30 min

We analyse your current 3 pillars, your family situation, your income and your retirement horizon.

02

Calculating your gap

48h

We calculate the difference between your estimated pension and your real needs in retirement.

03

Strategic recommendations

45 min

We present you with a coherent retirement plan: what to open, how much to contribute, in what order to withdraw.

04

Implementing solutions

2–4 weeks

We coordinate the opening of the 3a, BVG buy-ins if relevant and necessary supplementary insurance.

What our clients say

"I didn't know my Pillar 3 would save me so much on taxes. Marc-Antoine explained it clearly and helped me open two accounts to diversify."

Michelle P.

Lausanne

−CHF 1'800 tax/year

"As a self-employed person, my retirement gap was enormous. EVO set up a 3a + disability insurance strategy that truly protects me."

Roberto F.

Zurich

Gap closed

"We had scattered 3a accounts with no strategy. EVO restructured everything and calculated exactly when to withdraw what to minimise the tax burden."

Christine & Yves B.

Bern

Complete retirement plan

Ready to optimise your retirement & pillar 3a?

Free analysis · No commitment · Reply within 24–48h

Book an appointment → +41 76 779 0449

Frequently asked questions

A bank 3a is flexible: you can stop contributing, change amounts, and withdraw at any time (with tax). An insurance 3a is a fixed contract that often includes protection in case of death or disability, but which imposes regular contributions under penalty of fees.

In 2025, the maximum deductible amount is CHF 7'258 for employees (contributing to a 2nd pillar) and CHF 35'280 (or 20% of net income) for the self-employed without a 2nd pillar.

Yes, and it is recommended. You can split the maximum amount between several 3a accounts. This allows withdrawals to be staggered over several tax years and reduces total taxation at retirement.

The 3a can be withdrawn 5 years before the legal retirement age (from age 60). Early withdrawal is possible in the event of definitive departure from Switzerland, purchase of a primary residence, or starting a self-employed activity.

Rarely. The federal AI covers a maximum of CHF 1'745/month (full AI pension in 2025). For most working people, this represents a massive drop in income. Supplementary private disability insurance is essential to maintain your standard of living.

Marc-Antoine Segui

+41 76 779 0449
Free appointment →