Now is the time to set the course.
The earlier you approach your retirement planning strategically, the greater the effect: more wealth, lower taxes, and maximum flexibility for your life goals.
Whether it’s a home of your own, self-employment, or simply financial independence – with pillar 3a, you start building your foundation for the future early on.
Pillar 3a is more than just retirement provision – it is your tool for financial self-determination:
💡 Our advice: We advise you independently – and strive to find out which solution is most suitable for you.
Nina, 22, pays a monthly CHF 200 into a pillar 3a account.
Kevin, 27, saves CHF 300 a month.
...but only if it works for you. As part of our independent 360° advice, we assess with you:
Our compact 3a guide (PDF) – including figures, examples, and strategies – is available exclusively after you contact us personally.
1. Explanation of the compound interest effect at a glance
→ Why every month counts – even with a modest salary
2. Real-life sample calculation
→ How small amounts can get you far
3. Step-by-step instructions
→ What you should do and how you can get started within 15 minutes
smzh ag stands for independent, comprehensive, and tailored financial solutions that are accessible to everyone. Regular personal interaction with our clients is especially important to us. This is the only way for us to truly understand their goals and wishes, which are always at the center of our considerations. We are fully committed to finding the optimal solution for both your current life situation and any future needs.
We always act responsibly – particularly toward our clients, partners, and society by taking every decision with utmost diligence.
The needs and objectives of our clients are at the center of our daily work.
Trust is the foundation of our work – we guard it with utmost care by always striving to find the best solutions for our clients.
Long-term and sustainable solutions for our clients.
We always strive to find innovative solutions that add value for our clients.
Our principle of independence enables us to always act in the best interest of our clients.
We handle questions such as those shown on the right on a daily basis. We look forward to supporting you with your pillar 3a savings.
We will send you the guide by WhatsApp. To receive it, click the button "Get the PDF Guide" and fill out the contact form.
The pillar 3a guide is completely free of charge.
It gives you a clear overview of your pillar 3a options – a short and concise summary. Essentially the most important details at a glance.
