The specialists of the
third pillar are here for you!

In Switzerland there are over 235 banks and 190 insurance institutions.
Get a free consultation from professionals active in the market since 2012 and choose the best for your private pension.

  • Take advantage of a no-obligation digital consultation
  • We do the research for you
  • Get a free personalized report worth 1000 fr

Read what our clients say about us

Google Rating

4.9

4.9 rated

Overall rating 4.9 based on 50+ reviews

The third pillar in brief

The third pillar is a private savings tool.
It is customizable in the choice of benefits, investments, and capital guarantees.
It helps to fill retirement gaps and compensate for potential income shortfalls.

Why should you invest in a third pillar?

  • Your pension won’t be enough
    The first and second pillars cover only 60% of your salary.
    If you live on 5000 fr a month today, you will only have 3000 fr in retirement.
  • The cost of living is always rising
    Health insurance, rent, daily expenses: every year, living in Switzerland becomes more expensive.
    Without a proper plan, your purchasing power will erode.
  • So as not to rely on the state
    Relying solely on AVS and pension funds is a risky bet.
    Pension reforms change, the retirement age increases, restrictions multiply, and no one guarantees you the same standard of living.

What are the advantages of a third pillar?

  • 267% profit on the capital
    500 fr per month for 30 years generates 482,247 fr with an average return of 7%; compared to 180,000 fr paid (yielding a performance of 267%, taking all costs into account).
    For more conservative people, it is also possible to include a guaranteed capital.
  • A guaranteed annuity
    In case of illness or injury, the premium is financed by the insurance company.
    In case of disability, the third pillar pays you an annuity.
  • Up to 10,886 fr of immediate tax savings
    On average, an employee saves 2,032 fr per year by paying the maximum premium of 7,258 fr.
    An independent person, on the other hand, saves an average of 10,886 fr per year by paying 36,288 fr.
  • Economic security for your loved ones
    A capital is paid to the heirs, to protect them in case of premature death.
    This guarantees them an adequate standard of living.

Why choose Loyal Group as your ally?

  • An independent partner working in your interest
  • Experts in selecting the best companies on the market
  • Meticulous work, thanks to sophisticated calculation software
  • Zero additional costs for the client

What are the next steps?

  • A professional will contact you as soon as possible to schedule a digital appointment
  • Together, define your personal objectives and needs
  • Your situation will be analyzed and the best offer to conclude will be identified

Over 3200 people have already chosen Loyal Group

Google Rating

4.9

4.9 rated

Overall rating 4.9 based on 50+ reviews

The most frequently asked questions

No, the consultation is free for the client

No, the product rates remain unchanged

It is financed through its partners, who pay a fee after a new contract is concluded

Yes, Loyal Group acts in the client's interest. Every year we scour the market to identify the best conditions for our clients.

The consultation can last from 30 minutes up to 1h15 depending on the complexity of the case.

There is no obligation. However, we prefer to work with people who are seriously interested in improving their situation.

The pension fund certificate is useful to carry out a thorough consultation. Don’t know what it is? No problem, it can be obtained later (it is not mandatory for the first appointment).

Loyal Group guarantees maximum confidentiality and stores the information using advanced technologies on a dedicated server in Switzerland. We only share with our partners the data necessary for preparing offers and concluding contracts.