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Pension – Ensure long-term security now

A solid pension is key to ensuring the standard of living you are used to in the long run and avoiding potential financial tight spots in retirement or in case of unexpected events (disability, death). In Switzerland, pensions are based on the proven three-pillar system:

  • 1st pillar (state pension provision, AHV): Securing minimum income
  • 2nd pillar (occupational pension provision, pension fund): Ensuring the maintenance of one's standard of living
  • 3rd pillar (private pension provision pillar 3a and unrestricted pension pillar 3b): Individual addition to the 1st and 2nd pillars and tax optimization
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How it works

This is how you best secure your pension in the long run:

1. Conduct personal assessment
Analyze your pension situation (AHV statement, pension fund statement, pillar 3a). Identify the impact of interruptions of employment or part-time work on your pension.
2. Identify potential pension gaps
Calculate your personal requirements in retirement, in case of disability or death. Clearly identify pension gaps and define risks early on.
3. Plan and implement targeted measures
Consider voluntary contributions to your pension fund to optimize your pension. Optimal use of private pension provision (pillar 3a). Take measures to provide safeguards in the event of disability or death.
4. Regular review and adjustment
Conduct pension check at least annually. Adjustments in the event of significant changes (new job, marriage, childbirth, divorce, etc.)

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smzh ag for you

smzh ag guides you personally and independently in your pension planning:

  • Comprehensive assessment of your pension situation with a 360° Check-Up
  • Individual pension advice to close pension gaps (AHV, pension fund, pillar 3a)
  • Strategic advice on how to best use your pension fund (voluntary contributions, tax optimization)
  • Long-term and personal advice in implementing and adjusting your pension strategy

A pension guide – for all stages and situations in life

The Swiss three-pillar system

The Swiss three-pillar system provides a stable basis for financial security in retirement. Learn how you can best leverage state, occupational, and private pension.

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Personal retirement planning analysis

Your path to financial security. Gain a clear overview of your retirement planning situation and identify opportunities for optimization. Together, we will develop a strategy that provides optimal protection for your future.

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Financial planning for a worry-free retirement

No worries in retirement, with a focus on your financial planning. Reach your goals and enjoy retirement without financial worries. We develop a personalized strategy that centers on your wishes and needs.

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Disability and death

Be well prepared for unexpected events in life. Our advice sees to the fact that you and your family are protected in the event of disability or death – our approach is individual, professional, and forward-looking.

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Pension provision after marriage

Marriage is not only a romantic event, but it also leads to new responsibilities in financial planning and insurance. Learn why it is important to adapt your existing retirement plans and insurance policies to your new circumstances and how you can make legal arrangements for the future.

(in German)

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Retirement provision: Voluntary contributions are a must

Saving voluntarily for retirement is a must. Learn why pillar 3a provides a tax-advantaged way to do so. Moreover, discover practical steps to analyze your financial situation and set savings goals, as well as important aspects of diversification and risk assessment.

(in German)

We handle questions such as those shown on the right on a daily basis. We look forward to supporting you with your investment strategy.

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    Pillar 3a complements AHV and the pension fund in a targeted way, reduces pension gaps, and provides attractive tax savings.

    With your AHV statement, your pension fund statements, and a personal pension analysis (e.g., the smzh 360° Check-Up).

    Particularly in case of interruptions of employment, part-time work, or significant income fluctuations. Voluntary contributions help close gaps and provide tax advantages.

    At least once a year and in case of a significant change in your circumstances.