What BCS can arrange for you.

Occupational & state pension

Pillar 1 (AHV/OASI) and Pillar 2 (BVG) explained — what you are contributing, what you are covered for, and what your retirement income actually looks like.

• Pillar 1 — OASI contributions and benefits
• Pillar 2 — occupational pension, conversion rates
• Risk cover: UVG accident and KTG daily sickness
• A snapshot of your retirement income today

Pillar 3

The voluntary, tax-deductible pillar. Bank route or insurance route — the structure decides how much tax you save and how hard your money works.

• CHF 7,258 per annum current limit
• Typically 15–25% back on tax already paid
• Bank option versus insurance option
• Risk cover inside a tax-deductible premium

Mortgages

Rates compared across more than 150 providers, plus a straight answer on affordability before you fall in love with a property.

• 20% deposit — how it may be split
• First and second mortgage explained
• Affordability tested at 5% interest
• Pillar 3 as substitute for amortisation

Investment & wealth preservation

Monthly savers and lump-sum investors. Structure first — tax, security, confidentiality and access — then performance.

• Tax-efficient structuring and tax-free growth
• Hundreds of investment funds available
• Minimum 90% protection, no upper limit
• Live online valuation and immediate access

Insurances

Household, building, car, legal, travel and medical — arranged as one coherent set of cover rather than six unrelated policies.

• Mandatory liability and medical cover
• Household, building and car
• Legal protection and travel
• One review across every policy