Your pension plan is not a mobile subscription.
Do not fall for the apparent “freeness” of digital solutions or the force of habit of major banks.
Over 30 years, the structure of your contract carries more weight than the gross return.
Banking Model (Digital or Traditional)
Proportional fees: You pay on your total capital. The more you save, the more the fees increase in francs.
Structural fragility: Low-cost models depend on niche banks and are adjusting their prices upwards.
Simple savings: In case of illness or accident, your contributions stop. Your future is put on hold.
Strategic Insurance Model
Amortized costs: Costs are concentrated at the start. Once the contract is established, your capital grows without being eroded.
Institutional solidity: Regulated capital reserves and a vision spanning several decades.
Guaranteed outcome: The insurer takes over your premiums in case of disability. Your retirement is secured.
Why everyone should have a 3rd pillar B.
It is the essential complement to your 3a.
It is not about reducing your taxes today, but about eliminating your taxes tomorrow.
0% Taxation
Capital withdrawal fully tax-exempt.
Wealth Shield
Capital protected from seizure in case of legal proceedings.
Total Flexibility
No lock-in period until retirement, possibility to continue it if you leave Switzerland.
The best pension plan is not the one that costs the least today, but the one that guarantees you will reach your destination tomorrow despite the storms.
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