We are your reliable partner in Switzerland, offering tailor-made solutions for insurance, financial planning, and retirement provision.
Churerstrasse 158
8808 Pfäffikon SZ
Europa-Strasse 15
8152 Opfikon ZH
Swiss retirement provision is built on three pillars: AHV as the first pillar secures a basic livelihood, the pension fund as the second pillar is meant to help maintain your accustomed standard of living, and the third pillar is your private, tax-privileged provision. For most working people, AHV and the pension fund alone are not enough in old age to maintain their previous standard of living.
Finaro analyses your entire retirement planning situation: where do you stand today, what gaps arise at retirement, incapacity to work or death, and how do you close them most efficiently? In doing so, we honestly compare bank solutions and insurance solutions, with their respective advantages and disadvantages.
In 2026, employed people with a pension fund may pay a maximum of CHF 7,258 into pillar 3a; employed people without a pension fund may pay in 20 percent of their earned income, up to a maximum of CHF 36,288. Contributions can be deducted in full from taxable income. Since 2026, under certain conditions, contribution gaps can also be closed retroactively.
We record AHV, your pension fund statement, existing pillar 3a solutions and your goals.
You see concretely how large your retirement and risk gaps are.
We show you the suitable solutions including the tax effect, and you decide with no time pressure.
We review your retirement planning periodically and adapt it to new life stages.
The retirement calculator provides a non-binding model calculation without guarantee. Past performance is not a guarantee of future results, and simulated or projected returns do not guarantee the actual future outcome. This information does not constitute investment advice. For a personal assessment of your retirement situation, we recommend a consultation with our experts.
Both have their merits: bank solutions are flexible, insurance solutions combine saving with risk cover but tie you in more. What fits depends on your situation. We lay out both options transparently side by side.
The contribution is deducted in full from taxable income. The effect depends on income, place of residence and marital status — we calculate it concretely for you.
Yes. Even smaller, regular contributions build up noticeable capital over the years and save tax every year. What matters is simply getting started.
The balance goes to the beneficiaries according to the statutory order, and with insurance solutions with a guaranteed death benefit. We discuss exactly these kinds of differences in the consultation.
