Pillar 3a
Structure contributions, investment form, tax impact and time horizon clearly.
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Pension planning
Plan today. Decide more calmly tomorrow.
We structure your pension planning so pillar 3a, protection, family, self-employment and retirement become one clear future plan.
Today
Understand the situation
Income, commitments, family, self-employment and existing solutions put into context.
3a
Review pillar 3a
Connect tax impact, savings goal, risk and time horizon clearly.
Future
Prepare retirement
Make gaps, options and next steps visible early enough.
Where we help
Pension planning is personal. It has to fit the situation.
Fianza does not look at one product in isolation, but at the connection between everyday life, risk, tax impact and long-term goals.
Protection
Consider income, family and commitments in case of illness, accident or death.
Retirement
Understand important questions around pension, capital and gaps early.
Self-employed and SMEs
Connect pension planning, risk and business situation properly.
Compound interest made simple
What happens if you start earlier?
Enter your age, a monthly amount and a strategy. You immediately see how much time matters in pension planning and why starting earlier can reduce monthly pressure.
Your example until age 65
Strategy
Moderate4.0%
Balanced assumption between stability and growth.
Value at 65
CHF 138'810
Paid in yourself
CHF 72'000
Compound effect
CHF 66'810
10 years earlierYour scenario10 years later
10 years earlierStart age 25
Value at 65CHF 236'392
Needed per monthCHF 117
Your scenarioStart age 35
Value at 65CHF 138'810
Needed per monthCHF 200
10 years laterStart age 45
Value at 65CHF 73'355
Needed per monthCHF 378
Simplified calculation until age 65. Not a return forecast and not investment advice.
Perspective
Not just saving. Planning with purpose.
A good pension solution balances tax optimization, flexibility, risk and life planning. Fianza helps structure exactly that.
Taxes
Connect pillar 3a and pension decisions to the personal situation.
Risk
Review protection where real responsibility exists.
Time horizon
Think short-term liquidity and long-term retirement together.
Process
How a useful pension plan takes shape.
01
Clarify the starting point
We collect existing solutions, goals and open questions.
02
Make gaps visible
Protection, saving, taxes and retirement are reviewed together.
03
Plan next steps
You see what matters today and what can be decided consciously later.
Frequently asked questions
Quick answers.
When is pension planning worthwhile in Switzerland?
It is worthwhile once income, family, self-employment, home ownership or long-term goals matter. The earlier you get an overview, the more deliberate your decisions can be.
What is pillar 3a?
Pillar 3a is tied private pension provision in Switzerland. It can be tax-efficient, but should fit your personal situation, risk and time horizon.
Do self-employed people need different pension planning?
Self-employed people often carry more responsibility for income, risk and retirement. That makes structured planning especially important.
How does pension planning relate to insurance?
Pension planning and insurance overlap around protection, income and long-term risks. Fianza considers these topics together to avoid gaps or duplication.
Ready to structure your pension planning?
We review your current situation together and make useful next steps visible.