Protect & pass on# Prepare for the future, make the most of today. Helvate structures your pension planning according to your goals: pillar 3a or 3b, LPP buy-ins, daily allowance cover and tax strategy. One adviser, one clear strategy. [Discover our offers](#offres) Book a meeting 500+ clients supported 1 single point of contact 20+ areas of expertise 7+ languages spoken ![FINMA](https://www.helvate.ch/storage/sections/certifications/helvate-certification-finma-4.webp) ![myAFA](https://www.helvate.ch/storage/sections/certifications/helvate-certification-myafa.webp) ![FER CIAM](https://www.helvate.ch/storage/sections/certifications/helvate-certification-fer-ciam-3.webp) ![IGE](https://www.helvate.ch/storage/sections/certifications/helvate-certification-ige.webp) Free service No obligation ![3A](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-3a.svg) ## Pillar 3a Pillar 3a lets you prepare for retirement while benefiting from an immediate tax advantage. Within legal limits, your contributions are deductible from your taxable income: you build your wealth while optimising your tax situation. - Up to CHF 7,258/year in tax deductions for people affiliated to a pension fund (LPP) - Up to CHF 36,288/year for people without a pension fund, within the limit of 20% of net income - A regulated transfer of benefits, under the legal rules applicable to beneficiaries - An independent selection, to identify the solution best suited to your profile and goals Fill in the form Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![3B](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-3b-2.svg) ## Pillar 3b Want to grow your savings with no contribution cap and no lock-in until retirement? Pillar 3b offers you free-form pension planning, designed to fit your pace, your projects and your wealth goals. You keep great freedom in managing your savings, including the choice of beneficiaries. - Uncapped savings, built freely at the pace of your projects - Potential tax optimisation in Geneva and Fribourg, depending on your situation - Controlled transfer of assets, with the freedom to designate your beneficiaries - A tailor-made solution, combining pension planning and investment to suit your profile Fill in the form Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![3F](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-3f.svg) ## Pillar 3 for cross-border workers Pillar 3 is a particularly attractive tax and wealth optimisation lever for cross-border workers eligible for quasi-resident status. Subject to meeting the required conditions and filing an ordinary tax return, pillar 3 contributions can be deducted from Swiss tax. - Optimise your Swiss tax situation with a pillar 3a strategy tailored to you - Make the most of your quasi-resident status and fully leverage your tax options - Take control of your cross-border tax situation with a comprehensive Switzerland-France view - Build a tailor-made wealth strategy combining 3a and 3b, based on your goals Fill in the form Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![LPP](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-lpp.svg) ## Occupational pension (LPP) An LPP buy-in is a wealth-planning lever that lets you fill certain pension gaps and increase your retirement benefits. Subject to applicable conditions, the amount bought in is deductible from your taxable income in the year of payment. - A tailored buy-in, matched to your financial capacity and goals - An immediate tax advantage, through deduction of the amount bought in - A controlled strategy, factoring in the rules applicable to capital withdrawal after a buy-in - An independent analysis of your LPP, to identify your potential and optimisation opportunities Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Free service No obligation ![IJM](https://www.helvate.ch/storage/assurances/sigles/helvate-assurance-ijm.svg) ## Daily allowance insurance In the event of prolonged incapacity to work, a loss of income can quickly undermine your financial balance and your business. For self-employed people and directors of a Sàrl/SA, daily sickness benefit insurance helps secure this period and preserve your standard of living. - Protect up to 80% of your income in the event of incapacity to work, subject to the terms of the contract - Choose your waiting period: 30, 60 or 90 days depending on your protection strategy - Cover tailored to your situation, against illness and/or accident - Dedicated support in the event of a claim, from reporting the claim through to payment of benefits Talk to an expert Send your current policy to a Helvate expert, who will review your situation. Send my policy Partners## A connected ecosystem Helvate is connected to Swiss insurance companies and pension institutions. We compare their offers with complete independence and negotiate the best terms for you. - 100% independent - 34+ offers - Response within 24h ![AXA](https://www.helvate.ch/storage/1/conversions/helvate-axa-badge.webp) ![Generali](https://www.helvate.ch/storage/2/conversions/helvate-generali-badge.webp) ![Groupe Mutuel](https://www.helvate.ch/storage/21/conversions/helvate-groupe-mutuel-badge.webp) ![Helsana](https://www.helvate.ch/storage/4/conversions/helvate-helsana-badge.webp) ![Vaudoise](https://www.helvate.ch/storage/5/conversions/helvate-vaudoise-badge.webp) ![Assura](https://www.helvate.ch/storage/27/conversions/helvate-assura-badge.webp) ![Helvetia](https://www.helvate.ch/storage/26/conversions/helvate-helvetia-badge.webp) ![Swica](https://www.helvate.ch/storage/25/conversions/helvate-swica-badge.webp) ![Swiss Life](https://www.helvate.ch/storage/23/conversions/helvate-swiss-life-badge.webp) ![Visana](https://www.helvate.ch/storage/24/conversions/helvate-visana-badge.webp) ![Allianz](https://www.helvate.ch/storage/22/conversions/helvate-allianz-badge.webp) ![](https://www.helvate.ch/images/helvate-mark.svg) Have any questions ?## FAQ - Pension planning How much can I deduct with pillar 3a? In 2026, a person affiliated to a pension fund (LPP) can deduct up to CHF 7,258.- per year for pillar 3a. For people not affiliated to an LPP pension fund, the deduction can reach 20% of income, up to a maximum of CHF 36,288.- per year (cap applicable in 2026). Each payment into pillar 3a reduces your taxable income, subject to the applicable tax conditions. A well-designed contribution strategy therefore combines pension planning, tax optimisation and wealth building. What's the difference between pillar 3a and pillar 3b? Pillar 3a and pillar 3b serve different purposes. The choice depends notably on your tax situation, your investment horizon and the degree of flexibility you're looking for. Pillar 3a - Pension planning and tax optimisation Capped and tax-deductible, pillar 3a is designed for long-term pension planning. The funds are generally tied up until retirement, with early withdrawal possible in certain situations provided for by law. Pillar 3b - Freedom and wealth flexibility With no legal contribution cap and no lock-in until retirement, pillar 3b offers greater freedom in building and passing on your wealth. Its tax treatment depends notably on the canton and the structure chosen. I'm a cross-border worker: under what conditions can I access pillar 3a? As a cross-border worker, you can access pillar 3a if you carry out a gainful activity in Switzerland and receive income subject to AVS contributions. However, to benefit from the tax deduction in Switzerland, additional conditions may apply depending on your canton and tax situation. Is an LPP buy-in really worthwhile for tax purposes? An LPP buy-in is a tax optimisation and pension planning lever: subject to applicable conditions, the amount bought in is deductible from your taxable income in the year of payment, while boosting your retirement benefits. The value of a buy-in, however, depends on your tax situation, your LPP certificate and your pension planning horizon. The timing of payments can also play a decisive role in tax optimisation. I'm self-employed: what pension provision applies to me? As a self-employed person, you have greater freedom in building your pension provision, but also greater responsibility for protecting your income and your retirement. Depending on your situation, several levers can be combined: pillar 3a, optional occupational pension (LPP) and income protection in the event of incapacity to work. When can I withdraw my pillar 3a before retirement? Early withdrawal from pillar 3a is possible in certain situations provided for by law: buying or building a home for your own use, repaying a mortgage, leaving Switzerland permanently, becoming self-employed as your main activity, or paying the funds into an occupational pension (LPP) buy-in. Withdrawal is also possible in the event of full disability. Each type of withdrawal has its own tax and financial implications, in particular a reduced tax levied at the time of payment, separate from your ordinary income tax. Your withdrawal strategy (amount, timing, staggering across several 3a accounts) can have a significant impact on the final tax burden. Helvate reviews your situation to determine whether an early withdrawal makes sense in light of your pension goals and your overall tax planning. A free initial conversation## Let's discuss your needs, simply. Tell us about your situation, and we'll take it from there. - Full analysis - Response within 24h - No obligation Thank you! Your request has been noted — a Helvate advisor will get back to you shortly. Protect & pass on## In the same category [### Compare 34 insurance companies, optimise your insurance. A FINMA-registered insurance adviser, Helvate compares offers from 34 insurance companies to guarantee you the best cove... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/insurance) [### Your everyday formalities, centralised. Delegate your administrative formalities to a single point of contact: each step is prepared, coordinated and followed t... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/administrative-formalities) [### Your family, a single point of contact. A financial concierge service designed as a family office: a dedicated adviser who knows your family, centralises your c... Découvrir ![](https://www.helvate.ch/images/helvate-mark.svg)](https://www.helvate.ch/en/multi-family-services) [+41 22 342 55 55](tel:+41223425555) [contact@helvate.ch](mailto:contact@helvate.ch)