One-stop pension provision and risk coverage Private pensions
Do you know what your income will be in retirement and are you familiar with the benefits of Pillar 3? What will happen to your family if you can no longer work or if you die?
Pillar 3a and 3b private pensions enable you to secure your financial future so you are ready for whatever situations life may bring your way. Whether you want to protect yourself against risks such as death and disability, build your wealth in a targeted manner for later or invest your money wisely, our SmartFlex retirement solutions provide you with the greatest level of flexibility to do just this.
SmartFlex pension plan 3a/3b | SmartFlex capital plan 3a/3b | SmartFlex income plan 3b | |
Description | Build up your savings and withdraw them as a lump sum Pension plan with risk protection (death, disability) |
Invest for your old age and draw a lump sum Retirement plans with minimum term life coverage |
Invest your savings and draw a monthly income No risk insurance |
Financing | Regular payments of at least CHF 600 per year | Regular payments of at least CHF 15,000 (3a) / CHF 25,000 (3b) | One-time payment of at least CHF 15,000 |
Term | 3a: min. 7 years 3b: min. 10 years |
min. 10 years, max. 30 years | min. 10 years, max. 30 years |
Security options |
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Advantages |
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Main purpose | Save | Invest | Plannable income |
SmartFlex pension plan
To the pension planSmartFlex capital plan
To the capital planSmartflex income plan
To the income planIf you start early enough, you won’t have to worry in your old age. State and occupational pensions are often not enough, but individual retirement solutions enable you to close these gaps in a targeted manner. This way you can maintain your accustomed lifestyle and look forward to your future.
The earlier, the better. As soon as you start earning a steady income – ideally when you start working – it’s worth saving for retirement on your own. Our SmartFlex pension plan lets you build up your savings right away to take advantage of return opportunities over the long term for a financially healthy retirement. You can also add term life insurance, a premium waiver in the event of occupational disability and/or an occupational disability pension to the pension plan.
But even if you only start saving later, it’s still worth it. If you start at least ten years before you retire, you can take advantage of attractive returns and tax benefits with the SmartFlex capital plan.
Even shortly before you retire is not too late: With the SmartFlex income plan, you can make a one-time investment and then draw a regular pension from it.
The maximum amount for Pillar 3a tax deductions is adjusted annually. For 2025 it is
The federal government supports Pillar 3 with attractive tax benefits, enabling you to earn massive tax savings as well as save up for your future. Pillar 3a in particular is considered to be a sensible measure for tax optimization and therefore saving.
Tax advantages of Pillar 3a
Tax advantages of Pillar 3b
Pillar 3 is ideal for saving money and planning your financial future. A distinction is made between pension provision with certain restrictions (Pillar 3a) and flexible pension provision (Pillar 3b). Generally speaking, we recommend a combination of both Pillars 3a and 3b for sustainable financial security.
By opting for Pillar 3 from an insurance company, you are protecting yourself and your loved ones in the event of disability and death. In addition, with private pension provision from an insurance company, you are committed to making regular payments up to retirement age, which has a positive impact on the capital you accumulate as well as a compound interest effect. The differences are explained in detail in our article Building up a pension – a comparison of banks and insurance companies .
Do you have any questions, or would you like a no-obligation pension consultation? Our experts are there for you.
The purpose of the three-pillar pension system is to provide financial security for people in Switzerland in their old age and in the event of disability or death.
If you want to build your savings for retirement reliably and over the long term, you’ll do best with targeted investments in diversified shares.
Families have plenty of expenses. Pillar 3 offers you a simple way to save while protecting your loved ones at the same time.