Situation
Your savings are sitting idle in a current account.
Consequence
With inflation, their purchasing power can erode over the years.
Investment
Put your savings to work, in line with your profile.
Investment horizon, risk tolerance, pillar 3b and life insurance: we help you structure your savings, with regular reviews and complete transparency.
Why it matters
Very real situations.
Situation
You invest your money without a defined horizon.
Consequence
An unexpected need may force you to sell at the wrong time.
Situation
You want to save while protecting your family.
Consequence
Life insurance (pillar 3b) combines savings with cover in the event of death or disability.
What we optimise
The essentials, explained simply.
Investor profile
Risk capacity and risk tolerance, goals and financial situation: the starting point for any strategy.
Investment horizon
Short, medium or long term: each goal (buying a property, education, retirement) has its own horizon.
Pillar 3b
Unrestricted savings, with no statutory ceiling or lock-in, whose tax treatment depends on the canton and the solution chosen.
Life insurance
Savings combined with protection in the event of death or disability, for you and your loved ones.
Diversification
Spreading across asset classes, regions and maturities to smooth out fluctuations.
Regular reviews
A periodic review to adjust your strategy as your life and the markets change.
Points to watch
The mistakes we see most often.
- 01
Investing money you will soon need
Market-exposed investments are only suitable for a sufficiently long horizon: always keep a cash reserve for the unexpected.
- 02
Putting all your eggs in one basket
Concentrating your savings on a single security, sector or region greatly increases the risk.
- 03
Ignoring the fees
Management fees, brokerage fees or early surrender charges reduce the net return: you need to know them before committing.
- 04
Cancelling a life insurance policy too early
Early cancellation can result in a surrender value lower than the premiums paid.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Investment:your questions.
Our experts' answers to the questions we are asked most often.
Pillar 3a is tied pension provision: contributions are capped and deductible from taxable income, but locked in until retirement, with some exceptions. Pillar 3b is unrestricted savings, more flexible and with no ceiling, whose tax treatment depends on the canton and the solution chosen.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Pensions & retirement
Optimising your 2nd and 3rd pillars.
- Pension fund buy-in
- Optimised pillar 3a
- Income protection insurance
Tax planning
Pay the right amount of tax, not a franc more.
- Optimised deductions (3a, pension fund buy-ins)
- Retirement tax planning
- Support with your tax return
Property insurance
Protection for your property investments.
- Building insurance
- Loss of rent
- Property owner's liability
Past performance is no guarantee of future results. All investments involve risk.
Official sources
General information, as of 2026 — it does not replace personalised advice.