We are delighted to show you, using the example of Monica and Martin, how you can achieve financial security and identify potential pension gaps early on.
Enjoy the security you deserve. Whether you're still in the middle of your professional life or about to retire in Switzerland, you will be able to relax and enjoy life more if you know you and your loved ones have financial security. A fund account or a guarantee plan offers you numerous pension solutions with attractive yield opportunities.
We offer you various products tailored to your needs, with which you can invest your money sensibly and, at the same time, make provisions for your retirement in Switzerland. Don’t forget that with certain products like the provisional insurance or the performance plan, you can even save taxes!
With the money you save you can fulfil your dreams – or pay tax. Do you want to pay less tax? We show you how that works with a tied provisional insurance policy.
With the tied pension provision (pillar 3a of the Swiss pension system), you can deduct the contributions you have paid into your pension over the year from your taxable income. Use the tax calculator to calculate how this affects your tax bill.
Monica and Martin are still in the middle of their professional lives and it's hard for them to think about retirement at the moment. However, the earlier they make provisions, the better they can protect themselves. A pension solution as part of pillar 3a also enables the Swiss-based couple to compensate income gaps after retirement – or even in case of long-term incapacity for work. What's more, the tied pension provision offers attractive tax benefits. Find out more about our flexible pension options.
If you are unable to work for longer periods of time due to an illness or accident, you only get very limited benefits from the state disability insurance (1st pillar). As a supplement to these minimal benefits, we recommend that you conclude an earning disability pension. This guarantees you a better income so that you can continue to enjoy the standard of living you are used to, even in the event of incapacity for work.
Spend, save or invest? The sooner you invest your money sensibly, the higher the yield. With the money you have saved, you can realise your savings goals and fulfil your dreams. Use the savings calculator to calculate how you can multiply your money over a specific investment period.
As responsible people, Monica and Martin are keen to ensure that their «better halves» can continue to live without a care if anything were to happen to them. With the whole life insurance, the partner is able to cover fixed expenses with the capital paid out.
Our solutions will give you financial security. It's worth identifying the pension option that best suits you early on. Request a free consultation now and set yourself on the path towards a carefree future.