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3rd pillar: 3A or 3B?Our algorithm optimizes it for free
- 🎯3A, 3B or both: calculated for your situation
- 📍Your canton changes everything — Geneva and Fribourg in particular
- 👀The answer appears directly online, in 3 minutes
- 📊With the real offers from the top 40 banks and insurers
100% Free - No registration
4.8 out of 5 ★★★★★ See the 202 reviews
With your 3rd pillar, receive up to 650.- as a gift
Everything happens online, and our algorithm tells you whether 3A, 3B — or both — suit you best.
1. Our algorithm asks you a few questions
Tell it your canton, your situation and your goals.
It determines the optimal 3A / 3B split for you, then ranks the offers that go with it.
- No contact details requested
2. View your third pillar comparison on screen
Switzerland's best 3rd pillar companies, personalized and broken down for you:
Guarantee, return, historical performance, fees — and each company's PDF offers so you can check everything.
You also see every company we don't recommend and why. That's our definition of transparency.
- Everything is visible online, instantly and free of charge
| Company | Return | At 65 |
|---|---|---|
 | 9.15% | 1'167'065.- |
| 7.10% | 748'695.- |
| 5.89% | 605'157.- |
| 4.14% | 424'709.- |
3. Start your 3rd pillar from home
Choose the best 3rd pillar offer for you and fill everything out online.
A qualified advisor will review your completed application and remain available to help you now and in the future.
- Online validation on the same terms as going directly to the company
🎁 Receive up to 650 CHF in gift cards
When you pay your first premium with any insurer, we give you a gift card worth your monthly savings amount (from 50 CHF to 650 CHF), at one of these retailers:
100% Free - Official partners
This 3rd pillar comparison tool is one we created for you.
★★★★★ 202 verified Google reviews. Thank you ❤️
I spoke with David Bolognesi, who gave me a very good comparison for my pillar 3a.
Thank you for the effort put into my case.
Excellent service! I recommend it!
Personalized support and fast turnaround. I'm delighted!
Thanks for everything 😍
Thank you for the existence of this organization, which should be of major public interest, given all the different investment solutions available in Switzerland…
Once again, thank you Sparta Group.
Sparta advised and guided me very well on the various aspects of the 3rd pillar.
They were an invaluable help and inspire the trust and warmth I would expect from an advisor.
I used this service to get advice on the 3rd pillar and I recommend them without hesitation.
I got in touch with David, who was very transparent and efficient.
A big thank you for Sparta's advice, which was invaluable for my financial future.
I highly recommend Sparta Group's services
100% Free - Official partners
Do you have other questions about this 3rd pillar comparison tool?
Can I have a 3A and a 3B at the same time?
Yes, and it's often the best solution — particularly in Geneva and Fribourg, where both are deductible. Our algorithm calculates the split between the two rather than forcing a binary choice on you.
Is 3B really deductible in Geneva and Fribourg?
Yes, these two cantons provide a specific deduction entitlement for unrestricted retirement savings, the amount of which depends on your household situation, the number of children and whether or not you contribute to a 2nd pillar or a 3A.
How much tax will I pay when I withdraw my 3A?
The capital is taxed separately from income, at a preferential, progressive rate of around 2 to 8% depending on the canton and the amount. That's significantly less than the income tax you will have saved over all the years of contributions.
How can you be sure our 3rd pillar advice is neutral?
The algorithm is designed to take into account only the proven facts and figures of each offer, and you can verify everything thanks to the live display of the offers received directly from the companies
You are the one who chooses, based on all the factual information you obtain.
And our Google rating and reviews have spoken for us for over 10 years!
Why not go directly to the insurance company?
At the company you would also have an advisor paid in exactly the same way as us, but they will only have access to their own company's offers and will therefore not be able to provide objective advice.
Our offers also have the same terms as theirs, but you also get the gift voucher on top!
Then, if you want to change your mind later, you can do so at any time and get an advisor from the company directly.
Why are our 3rd pillar advisory services 100% free?
If you go ahead with a 3rd pillar solution, the company you choose is the one that pays us.
If you don't choose anything, then we'll be glad to have helped you see things more clearly, free of charge 😃