Self-employed? Your pension will not build itself.
Without an employer there is no automatic second pillar — but there is a much larger pillar 3a, voluntary pension-fund options and real tax levers. Get a structure that fits your income.
- Pillar 3a up to CHF 36,288 a year without a pension fund
- Voluntary pension fund or 3a — what fits your income
- Business, private and retirement planned together
Named client reviews · 20+ years in Swiss finance
Leave me two lines. I reply personally within one working day, with three times for a free 30-minute call.
How much can you pay into pillar 3a?
Self-employed people without a pension fund can pay in up to five times more than employees.
2026 limits, derived from the BVG upper limit of CHF 90,720: 8% = CHF 7,258 with a pension fund; without one, 20% of net income up to 40% = CHF 36,288. The tax saving depends on your canton and income.
Three things decide the outcome
Pillar 3a structure
Several accounts for staggered withdrawals, and the right mix of savings and investment.
Voluntary pension fund
Risk cover for disability and death, and buy-backs that can lower taxes in strong years.
Business & private
For company owners: salary versus dividend, and how the business fits into your retirement plan.
“Twenty years inside banks, insurance and real estate taught me where clients lose money without noticing. My job is to show you — clearly, and before you sign.”
“He takes the time to clearly explain each investment option, popularizing sometimes complex concepts to make them accessible to all.”Nicolas Lecocq · client review
What people ask before booking
I have just started. Is it too early?
No — the first years set the structure. Getting it right early is cheaper than repairing it later.
Should I join a pension fund voluntarily?
It depends on income, family and risk cover. With a pension fund your 3a cap drops to CHF 7,258, but you gain buy-back and insurance options.
I own a GmbH. Does this apply to me?
As an employee of your own company you are usually in a pension fund — the question becomes salary versus dividend and how much to insure.
Is the first call really free?
Yes. Thirty minutes by video or phone, no documents, no obligation. If there is nothing worth doing, you will hear that too.