Supplement your coverage under Switzerland's first and second pillars, which may be inadequate for your needs
Put money into a tax-free savings account to save up for a new home or retirement (under Pillar 3a)
Set up financial protection for you and your family
Prepare for your retirement well – and well ahead – to enjoy your golden years
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Retirement, disability and life insurance
In addition to saving for retirement, you should also consider what would happen in the event of a serious illness or injury or premature death. Be sure you have adequate coverage under the Swiss three-pillar system. There's nothing like the peace of mind that comes from knowing your financial needs – and those of your family – will be met no matter what life throws at you.
The first pillar of the Swiss system refers to basic social security; the second pillar is your occupational (or company) pension; and the third pillar refers to private pension products (including those shown below) offered by financial institutions. Together, the three pillars provide old-age, disability, and survivors' benefits. The coverage you have under the Swiss system may not be enough, especially if you have not contributed to it for your entire working life or if you drew on your second-pillar pension funds to buy a house or start a business.