Retirement Solutions
The swiss pension system
Why Growing Your Retirement Capital Matters
With pension assets, the real risk is doing nothing.
Regardless of your profession, the first two pillars are not enough to maintain your standard of living: on average, they cover only around 60% of your income.
The Retirement Gap
Without private solutions or proper management of retirement assets, living standards can decline significantly after retirement.
Our Goal
Our goal is to optimise your retirement assets and complement them with private solutions to effectively close the pension gap.
Our solutions for your retirement
Vested benefits account
A vested benefits account represents the capital accumulated in your occupational pension (2nd pillar)) over the course of your working years. When you change jobs, interrupt your professional activity, or temporarily leave the labour market, your pension assets are transferred to a vested benefits foundation. There, they can remain invested until retirement or until they are transferred to a new employer’s pension scheme.
The main advantages
Continuity of Capital Growth
Your assets remain invested even during professional transitions, allowing your capital to continue growing without interruption.
Greater Investment Flexibility
You can choose among different investment strategies, with tailored solutions that go beyond standard pension fund options.
Optimised Retirement Planning
By spreading assets across multiple foundations, it is possible to improve tax efficiency at the time of withdrawal.
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Previdential Funds (3A)
The pillar 3A is a private retirement solution designed to complement the state pension (1st pillar) and the occupational pension (2nd pillar). It allows you to build long-term retirement capital while benefiting from significant tax advantages, thanks to the full deductibility of contributions from taxable income. For 2026, the maximum deductible contribution is CHF 7’258 for employees affiliated with a pension fund and CHF 36’288 for self-employed individuals.
The main advantages
Annual Tax Advantages
Each contribution directly reduces taxable income, generating immediate tax savings.
Long-Term Capital Growth
Capital is invested in line with your risk profile, allowing it to benefit from compound growth over time.
Flexibility at Key Life Stages
Under certain conditions, assets can be used for the purchase of a primary residence, starting a business, or early retirement.
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Second Pillar (1E)
The 1e plan is a pension solution designed for higher incomes, starting from CHF 132’300. It allows employees to choose their own investment strategy for the supplementary (non-mandatory) part of their occupational pension, offering greater transparency and capital growth aligned with their personal risk profile. The 1e assets are kept separate from the rest of the occupational pension, allowing for a significantly more flexible and tailored management.
The main advantages
Individual Investment Strategy
Each insured person selects the investment profile that best matches their objectives and risk tolerance.
Greater Transparency
Investment performance is fully allocated to the insured individual, without guaranteed minimum returns or redistribution mechanisms.
Tax Advantages and Capital Optimisation
Capital grows within a tax-advantaged framework and can be withdrawn under the standard occupational pension conditions.
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Our added value
A Tailored Investment Approach
Each strategy is designed based on the client’s risk profile and adapted to the investment phase, ensuring capital is managed in line with objectives, context and time horizon.
A Dedicated Platform and Full Transparency
The online platform enables continuous portfolio monitoring, supported by clear and transparent reporting on investment performance.
Continuous and Personal Support
Clients can rely on ongoing support, with a dedicated contact person ready to guide them through their decisions and respond promptly to every need, ensuring continuity and clarity over time.
Would you like to understand how we can support you with your wealth management?
Book a free consultation with one of our specialists.
Every investor has different needs. Talk to one of our experts and find out how a personalized strategy can help you protect and grow your wealth.