Self-employed
Retirement provision for the self-employed: your pension fund assets in safe hands. The self-employed face the challenge of providing for their financial future themselves. With our customised pension solutions, we offer you just the security and flexibility you need to grow and protect your pension fund assets.
Pension fund solutions for the self-employed: optimum protection and flexibility
For the self-employed, the question is often how to structure pension provision efficiently and in compliance with the law. Our pension fund solutions enable you to get the most out of your regular pension contributions thanks to investment strategies you choose yourself. You have a say in how much you want to invest in your retirement provision – with the option of having your pension fund assets paid out to you under certain conditions.
Provision for independent doctors
At a time when independent doctors’ fees are under pressure due to tariff interventions, together with the SBV-ASMI Association we are offering its members an extra-mandatory pension solution. This can improve a doctor’s personal pension situation and also lower their tax liability. Depending on your situation, the benefits of joining the PensFlex collective pension foundation include the following:
- Attractive pension solutions with different investment strategies
- Risk benefits tailored to your personal situation (death/Federal Disability Insurance)
- Full participation in investment returns without redistribution
- Cover for self-employed association members
- Sustainable pension and tax planning
- Long-term protection of your assets
Threshold for joining BVG/LPP
Our solutions are flexible and take into account the BVG/LPP joining threshold and the maximum pensionable salary to ensure that your extra-mandatory entitlements are also covered.
Our solutions for self-employed
Businesses
Private individuals
Finding the right balance between taking dividends and buying into a management pension scheme was a big challenge for me.
Joe Bienz
Founder and co-owner, Performa AG
I greatly appreciated PensExpert’s advice, punctuality and professionalism! I can rely on the advisors at all times.
Christian Etique
PensFree client
PensExpert offered me exactly the support I was looking for. In addition to their pension expertise, they impressed me with their professionalism, in-depth knowledge and friendliness. The answers and advice were always highly competent and solution-oriented. Thanks to their care, I felt safe and in good hands at all times.
T. Nasiou
independent client
Thanks to the specialists at PensExpert, we have achieved some extraordinary things over the last two years. For example, we were able to pay out a tax-protected bonus. In this context, a solution was found in relation to the relevant tax rulings. When we paid the bonus into the pension fund, we generated substantial tax savings.
Stefan Denz
Deputy Managing Director & Technical Director, Allenspach AG
Pension fund solutions for the self-employed
Although the options for self-employed businesspeople are limited in the Swiss occupational pension system, the self-employed can still structure their retirement provision in a number of different ways. With our solutions, you not only secure tax benefits, but also the flexibility to tailor regular pension fund contributions to your specific situation. The self-employed also have the option of structuring their provision solely via an extra-mandatory plan – without any obligation to join BVG/LPP. For self-employed persons with profits of CHF 136'080 or more (2026 figures), PensFlex is an attractive solution for structuring extra-mandatory provision and thus achieving your pension goals flexibly. Book a consultation now to develop your optimal pension solution.
The third pillar for the self-employed
For self-employed people in Switzerland, pillar 3a is an attractive opportunity to make your retirement provision flexible and tax-efficient. At PensExpert, we help you to exploit the maximum potential of your contributions and develop a customised pension strategy. An advance withdrawal may also be possible under certain conditions, for example to finance an owner-occupied property. Take advantage of our expertise to find the ideal solution to secure your future.
Our pillar 3a products at a glance
AHV/AVS contributions and obligations for the self-employed
As a self-employed person, you are responsible for working out and paying your AHV/AVS contributions yourself – this is critical to secure your pension entitlements and fulfil your statutory obligation to pay into the system. PensExpert will help you accurately determine your income subject to AHV/AVS contributions and give you clarity about your contribution amount and deduction options. If your self-employed work is not officially recognised as self-employment, we will advise you on the possible options. Benefit from our comprehensive expertise and book an appointment for a consultation that will enable you to have a more secure future.
Accident and daily sickness benefits insurance for the self-employed
Accidents or extended absences due to illness can mean significant financial losses for the self-employed. Our solutions offer you comprehensive protection and flexible coverage options that are perfectly tailored to your needs and financial situation. Rely on our many years of experience and expertise to be prepared for all eventualities.
Unemployment insurance and social security benefits for the self-employed
In Switzerland, the self-employed only have limited access to unemployment insurance (UI), which can lead to financial uncertainty in the event of a business failure or closure of the company. Our individually tailored solutions help you build financial stability and confidently bridge unexpected bottlenecks.
Tax issues in self-employment and pensions
The tax structure of pension arrangements is particularly important for the self-employed in order to make targeted use of deductions and maximise tax efficiency. We offer you individually tailored solutions that optimise both your contributions to occupational pensions (2nd pillar) and your deduction options for pillar 3a. Our expertise will help you to find the right balance between retirement provision and tax benefits and thus minimise your tax liability. Book a consultation now and find out how you can get the most out of your pension and tax options.