{"id":4331,"date":"2022-08-08T10:16:56","date_gmt":"2022-08-08T08:16:56","guid":{"rendered":"https:\/\/onezone.ch\/pension-pillar-3a\/"},"modified":"2023-08-07T10:15:37","modified_gmt":"2023-08-07T08:15:37","slug":"pension-pillar-3a","status":"publish","type":"page","link":"https:\/\/onezone.ch\/en\/pension-pillar-3a\/","title":{"rendered":"Pension pillar 3a"},"content":{"rendered":"\n\n<section id=\"res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af\" class=\"res-block res-header-image alignfull \">\n  <div class=\"res-header-img-outside mb-4\" data-aos=\"res-fadeIn\">\n\t<div class=\"res-header-height\">\n\t\t\n\t\n\t  <style> \n\t\t  @media only screen and (min-width: 970px) {\n\t\t\t #res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1.header-img-height { height: 50vh;}  \n\t\t\t #res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1 .res-header-image-vertical-center { top: 60%;} \n\t\t\t  \t\t\t  \n\t\t\t\t\t\t  #res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1 .jarallax-img { object-position: 50% 70% !important;}\n\t\t\t   \n\t\t  }\n\t\t  @media only screen and (max-width: 970px) {  \n\t\t\t#res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1.header-img-height { height: 70vh;} \n\t\t\t  \n\t\t\t\t\t\t #res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1 .jarallax-img { object-position: 50% 50% !important;}\n\t\t\t  \n\t\t\t    #res-header-image-block_b5f2c4d70fdcf1466296d914cb6349af.res-header-image .layout-1 .res-header-image-vertical-center { top: 55%;}\t\t\t  \t\t  }\n\t\t  \t  <\/style> \n\t\t\n\t  <div class=\"layout-1 jarallax header-img-height\" data-speed=\"0.7\" style=\"background-color: #000;\">\n\t\t  \n\t\t\t\t<div class=\"res-header-image-vertical-center\">\n\t\t\t\t\t<div class=\"container-fluid\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"sloganBox\">\n                           <div class=\"row\">\n                             <div class=\"col col-md-8 text-left\">\n\t\t\t\t\t\t\t\t <div class=\"\" data-aos=\"res-leftIncoming\">\n\t\t\t\t\t\t\t\t \n                                                                   <h1><strong>Private provision with pillar 3a<\/strong><\/h1>\n                                \t\n\t\t\t\t\t\t\t\t \n                                \t\t\t\t\t\t\t\t \n                                                                   <h3>Retirement planning while saving taxes<\/h3>\n                                \t\n\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t   \n\t\t\t\t\t\t\t\t\t <div class=\"pt-lg-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t                 <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<img decoding=\"async\" class=\"jarallax-img img-fluid\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-fullscreen-krankenkasse.jpg\" alt=\"Image woman with child\"  style=\"opacity: 0.95;\" \/>\n\t\t    \t\t  \n\t\t\t\t\t  \n\t\t   <\/div>\n\t\t\t \n\t \n\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\t\n\n\r\n\r\n<section id=\"res-txt-block_9b58f3a9c6765519dd6866a62b6f10db\" class=\"res-block res-txt alignfull layout01 py-2 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-fluid\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t  \r\n\t\t<style>\r\n\t\t  @media only screen and (min-width: 1280px) {\r\n\t\t   \t\t  \r\n\t\t\t\t#res-txt-block_9b58f3a9c6765519dd6866a62b6f10db.res-txt .txt-title-field h2{\r\n\t\t\t\t\tfont-size: 230%;\r\n\t\t\t\t\tline-height: 120%;\r\n\t\t\t\t\tfont-weight: 600;\r\n\t\t\t    }\r\n\t\t  \t\t \t\t} \r\n\t\t<\/style>\r\n\t\t\t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t\r\n\t\t\t<div class=\"col-md-10 var-1spalten text-left\">\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"txt-title-field\">\r\n\t\r\n\t\t\t\t\t\r\n\r\n\t\t\t\t  \r\n\t\t\t\t\t<h2>Why is private provision with 3rd pillar important?<\/h2>\r\n\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t<div class=\"txt-textfield postContent pt-md-2\">\r\n\t\t\t\t\t\t\t\t\t\t  <p><strong>Retirement<\/strong> today <strong>is<\/strong> a long time <strong>in the future<\/strong>, but in order to maintain the <strong>lifestyle you are currently accustomed to<\/strong> also in retirement, you need to <strong>care about it now<\/strong>.<\/p>\n<p>The <strong>sooner you<\/strong> address it, <strong>the better results<\/strong> you&#8217;ll get.<br \/>\nThose who rely on the AHV pension and, if gainfully employed, on the BVG can expect a total of<strong> only 60% of their previous salary<\/strong>. The need to cover these possible pension gaps is great and should not be underestimated.<\/p>\n\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t <div class=\"txt-textfield-btns pt-2 \">\r\n\t\t\t\t\t\t  \r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n\n\n\n<section id=\"res-text-bild-block_377905e589d7448d1493a581e49f60b7\" class=\"res-block res-text-bild alignfull layout01 py-3 Transparent hintergrund-rechts\t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-fluid\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_377905e589d7448d1493a581e49f60b7.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 3%;}\n\t\t\t  #res-text-bild-block_377905e589d7448d1493a581e49f60b7.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 3%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row flex-row-reverse \">\n\t\t\t<div class=\"col-md-7 txt-box offset-md-1\">\n\n\n\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\t\t\t\t\t  <p>However, with private provision in a pillar 3a, you have various <strong>advantages right from the start<\/strong>.<\/p>\n<p>With your annual payments (<em>maximum<\/em> amount in pillar 3a <em>for employed<\/em> persons for the year 2023 is <em>CHF 7056<\/em> &#8211; for persons <em>not<\/em> insured <em>under<\/em> the <em>BVG<\/em> it is <em>20% of<\/em> the net earned <em>income<\/em>, but <em>maximum CHF 35,280<\/em>), or monthly premiums, you build up year after year a <strong>retirement assets<\/strong> which you will receive at retirement, in addition to the statutory pensions AHV (first pillar &#8211; statal pension) and BVG (occupational pension).<\/p>\n<p>You can <strong>deduct<\/strong> the <strong>amount<\/strong> paid in pillar 3a from your <strong>taxable income<\/strong> and thus <strong>save <\/strong>up to <strong>CHF 2,000<\/strong> in <strong>taxes<\/strong> year after year.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox \">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"750\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/04\/junge-lachende-Frau-OK-1000x750.jpg\" class=\"img-fluid w-100 txt-img\" alt=\"Perfectly accurate\" \/>\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\n\n<section id=\"res-text-bild-block_60a9f9ffd92304d0a92bff359946600d\" class=\"res-block res-text-bild alignfull layout01 py-3 Transparent \t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-fluid\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_60a9f9ffd92304d0a92bff359946600d.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 3%;}\n\t\t\t  #res-text-bild-block_60a9f9ffd92304d0a92bff359946600d.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 3%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row  \">\n\t\t\t<div class=\"col-md-7 txt-box \">\n\n\n\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\t\t\t\t\t  <p>In addition, you may use your 3a pillar\u00a0policy as<strong> guarantee when purchasing a home<\/strong> (or 10% of the 20% own capital may come from the pension policy). The saved capital serves as a guarantee of the amount from the equity.<\/p>\n<p>In addition, with a pillar 3a policy, as well as in a pillar 3b, you can cover some moral situations through the insurance and, for example, <strong>protect your family<\/strong> in case something should happen to you, or you can protect yourself against financial losses due to <strong>disability<\/strong>.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox offset-md-1\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"750\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/04\/shutterstock_2111186444-1000x750.jpg\" class=\"img-fluid w-100 txt-img\" alt=\"\" \/>\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"advice\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\n\n\r\n\t<section id=\"res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2\" class=\"res-block res-boxes alignfull p-no Transparent\" style=\"background: transparent;\">\r\n\t\t<div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\r\n\t\t\t<style>\r\n\t\t\t\t\r\n\t\t\t\t@media only screen and (min-width: 970px) {\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-inner {margin-right: 20px;}\r\n\t\t\t\t\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item .postContent h2,\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item .postContent h3,\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item .postContent h4 {\r\n\t\t\t\t\t                              font-size: 100%; line-height: 140%;font-weight: 600;}\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item.boxlayout01 .postContent .vorschau-text,\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item.boxlayout02 .postContent .vorschau-text {font-size: 100%; line-height: 140%;}\r\n\t\t\t\t#res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2 .box-item.boxlayout03 .teamContent .team-infos {font-size: 100%; line-height: 140%;}\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t}\r\n\t\t\t<\/style>\r\n\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t<div id=\"res-boxes-block_5f5bd12d7197d2f8c901b4cb6d8e4df2\" class=\"row row-cols-1 row-cols-md-4 no-gutters boxes-frame equal-boxheight \" >\r\n\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"col-md box-col mb-1 mb-md-1 box-item boxlayout01     box-url-link\">\r\n\r\n\t\t\t\t\t<div class=\"box-inner shadow scale-box h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/onezone.ch\/en\/contact\/\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center \">\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"postContent pt-1 pt-md-1 h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<h4>Request advice<\/h4>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"col-md box-col mb-1 mb-md-1 box-item boxlayout01     box-url-link\">\r\n\r\n\t\t\t\t\t<div class=\"box-inner shadow scale-box h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#provision\" target=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center \">\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"postContent pt-1 pt-md-1 h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<h4>Get quotes now<\/h4>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"col-md box-col mb-1 mb-md-1 box-item boxlayout01     box-url-link\">\r\n\r\n\t\t\t\t\t<div class=\"box-inner shadow scale-box h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#benefits\" target=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center \">\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"postContent pt-1 pt-md-1 h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<h4>Overview of your advantages<\/h4>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"col-md box-col mb-1 mb-md-1 box-item boxlayout01     box-url-link\">\r\n\r\n\t\t\t\t\t<div class=\"box-inner shadow scale-box h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#3columnsystem\" target=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox text-center \">\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<div class=\"postContent pt-1 pt-md-1 h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<h4>What is the 3 pillars principle?<\/h4>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/section>\r\n\r\n\n\n\n<div style=\"height:56px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"benefits\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\n\n\r\n\r\n<section id=\"res-txt-block_8adc96e88a8db0856a989b1dcb2617d4\" class=\"res-block res-txt aligncenter layout01 py-2 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n \r\n\t\t  \r\n\t\t \t  \r\n      \r\n      <div class=\"layout-1 txt-section\">\r\n\t\t<div class=\"row\">\t\r\n\t\t\t\r\n\t\t\r\n\t\t\t<div class=\"col-md-10 var-1spalten mx-auto text-center\">\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"txt-title-field\">\r\n\t\r\n\t\t\t\t\t\r\n\r\n\t\t\t\t  \r\n\t\t\t\t\t<h2>Your advantages with pillar 3a<\/h2>\r\n\t\t\t\t\r\n\t\t\t\t \r\n\t\t\t\t   <h3>At a glance<\/h3>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t<div class=\"txt-textfield postContent pt-md-2\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t <div class=\"txt-textfield-btns pt-2 \">\r\n\t\t\t\t\t\t  \r\n\t\t\t\t\t<\/div> \r\n\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\r\n\t\t\t\t<\/div>\r\n\r\n\t\t \r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\r\n\t\t\t\t\t\r\n\t\t <\/div> \t\r\n\t\t<\/div>\r\n\t \r\n\t  \r\n \r\n \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n\n\r\n<section id=\"res-icons-text-block_5afb33fb79df1a5f44c54bcb5d2d5993\" class=\"res-block res-icons-text alignfull py-3 Transparent\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t  \r\n\t  <style>\r\n\t\t  #res-icons-text-block_5afb33fb79df1a5f44c54bcb5d2d5993.res-icons-text .iconbox-bottom { margin-bottom:2%;}\r\n\t\t  #res-icons-text-block_5afb33fb79df1a5f44c54bcb5d2d5993.res-icons-text .iconbox-side { margin-right:5%;}\r\n\t\t  #res-icons-text-block_5afb33fb79df1a5f44c54bcb5d2d5993.res-icons-text .iconbox { font-size:90%; line-height: 150%;} \r\n\t  <\/style> \r\n\r\n <div class=\"icons-text-layout row row-cols-1 row-cols-md-4 no-gutters\">\r\n\t \r\n     \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow-sm p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-2 icons-txt-img pb-2 col-md-4\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/icon-mietkaution.svg\" class=\"img-fluid w-100\" alt=\"\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p><strong>Save taxes:<\/strong><\/p>\n<p>Benefit from lower taxes from now on. This can also amount up to CHF 2,000 per person.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow-sm p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-2 icons-txt-img pb-2 col-md-4\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/icon-hausrat.svg\" class=\"img-fluid w-100\" alt=\"icon household insurance\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p><strong>Financing your own home:<\/strong><\/p>\n<p>Save the necessary equity capital for your own home and amortize the mortgage with pillar 3a. Most of the time, there are even more favorable mortgage rates to go with it.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow-sm p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-2 icons-txt-img pb-2 col-md-4\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/icon-zusatzversicherung.svg\" class=\"img-fluid w-100\" alt=\"icon Schtuz\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p><strong>Retirement plan:<\/strong><\/p>\n<p>Receive a guarantee for the final capital and additionally benefit annually from the interest achieved.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n      \r\n      <div class=\"col-md iconbox-bottom\"> \r\n\t\t<div class=\"iconbox iconbox-side h-100 shadow-sm p-1\">\r\n\t\t  \r\n          <div class=\"row row-cols-2\">\r\n\t  \r\n\t\t\t   \t\t\t\t<div class=\"col-2 icons-txt-img pb-2 col-md-4\">\r\n\t\t\t\t\t \r\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/05\/icon-Familie-transparent.png\" class=\"img-fluid w-100\" alt=\"icon Familie \" \/>\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t   \r\n\t\t\t\t<div class=\"col-10 icons-txt-content col-md-10\">\r\n\t\t\t\t\t<p><strong>Protect your family:<\/strong><\/p>\n<p>Create fexibly your own modular insurance coverage and adapt it during the contract duration to your current life situations. We want it to be smart and flexible.<\/p>\n\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t  \r\n\t\t\t<\/div>\r\n\t\t\t\r\n          <\/div>\r\n      <\/div>\r\n\r\n\t  \r\n               <\/div>  \r\n\t  \r\n\t  \r\n\t<\/div>\r\n<\/section>\r\n\r\n\n\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"3columnsystem\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\n\n\n\n<section id=\"res-text-bild-block_f73f00dd652cbbcb567f3d7b0d7e75a6\" class=\"res-block res-text-bild alignfull layout01 py-4 Transparent \t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_f73f00dd652cbbcb567f3d7b0d7e75a6.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 3%;}\n\t\t\t  #res-text-bild-block_f73f00dd652cbbcb567f3d7b0d7e75a6.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 3%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row  \">\n\t\t\t<div class=\"col-md-7 txt-box \">\n\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<h2>How is the Swiss pension system structured?<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t   <h3 class=\"pb-1\">The swiss pension system &#8211; explained.  <\/h3>\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\t\t\t\t\t  <p>The Swiss pension system is based on the so-called <strong>three-pillar principle<\/strong>:<br \/>\nThe<strong> first pillar<\/strong> is the <strong>mandatory<\/strong>, <strong>state-owned<\/strong> one, which every person residing in Switzerland has. It serves to cover the minimum subsistence level.<br \/>\nThe <strong>second pillar<\/strong> is the <strong>occupational pension<\/strong> plan, which every *employed<em> *(minimum entry threshold for a BVG: annual salary 22,050 CHF) <\/em>person in Switzerland has. This is paid in addition to the AHV pension.<br \/>\n<strong>Together<\/strong>, these two pensions cover <strong>about 60% <\/strong>of the usual salary. So only a little more than half of what you are used to.<br \/>\nFor this reason, there is the <strong>private pension in the third pillar<\/strong>, so you can accordingly cover these gaps.<\/p>\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox offset-md-1\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/05\/3-saeulen-system-schweiz_transparent.png\" class=\"img-fluid w-100 txt-img\" alt=\"drei s\u00e4ulen system schweiz\" srcset=\"https:\/\/onezone.ch\/wp-content\/uploads\/2023\/05\/3-saeulen-system-schweiz_transparent.png 500w, https:\/\/onezone.ch\/wp-content\/uploads\/2023\/05\/3-saeulen-system-schweiz_transparent-480x480.png 480w, https:\/\/onezone.ch\/wp-content\/uploads\/2023\/05\/3-saeulen-system-schweiz_transparent-800x800.png 800w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\r\n  \r\n\t<style>\r\n\t\t.link-anker-with-no-padding {padding: 0 !important;}\r\n  <\/style>\r\n\r\n<section id=\"provision\" class=\"res-block res-link-anker py-4 Transparent link-anker-with-no-padding\" style=\"background: transparent;\">\r\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\r\n\t\t\r\n\t  \r\n\r\n\t<\/div>\r\n<\/section>\n\n\n\n<section id=\"res-text-bild-block_839ef521214e1bbf25bba2eab6dbabc4\" class=\"res-block res-text-bild alignfull layout01 pt-3 Transparent \t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_839ef521214e1bbf25bba2eab6dbabc4.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 0%;}\n\t\t\t  #res-text-bild-block_839ef521214e1bbf25bba2eab6dbabc4.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 0%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row  \">\n\t\t\t<div class=\"col-md-12 txt-box \">\n\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<h2>Get a personalized comparison about the market leading companies &#8211; unbinding and for free<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t   <h3 class=\"pb-1\">Fill out the form now<\/h3>\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox offset-md-1\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\n<form method=\"post\" enctype=\"multipart\/form-data\" id=\"vfbp-form-24\" onSubmit=\"gtag('event', 'formular-event', {event_category: 'kontaktformular-gesendet', event_action: 'btn-klickt'});\" class=\"vfbp-form\"><div style=\"display:none;\"><label for=\"vfbp-EMAIL-AN8fuQyoDLXem\">If you are human, leave this field blank.<\/label><input size=\"25\" autocomplete=\"off\" type=\"text\" name=\"vfbp-EMAIL-AN8fuQyoDLXem\" value=\"\" id=\"\"><\/div><input type=\"hidden\" name=\"_vfb-timestamp-24\" value=\"1776309701\" id=\"\"><input type=\"hidden\" name=\"_vfb-form-id\" value=\"24\" id=\"\"><div class=\"vfb-form-group vfb-col-12\"><div><h3 class=\"\">Personal data <\/h3><\/div><\/div><div class=\"vfb-col-12 vfb-fieldType-heading\" id=\"vfbField555\"><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-2 vfb-fieldType-select\" id=\"vfbField556\"><label for=\"vfb-field-556\" class=\"vfb-control-label\">Personal address* <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div class=\"vfb-form-group\"><select id=\"vfb-field-556\" class=\"vfb-form-control\" placeholder=\"\" required=\"required\" name=\"vfb-field-556\"><option value=\"Personal address\">Personal address<\/option><option value=\"Mrs. \/ Ms. \">Mrs. \/ Ms. <\/option><option value=\"Mr.\">Mr.<\/option><\/select><\/div><\/div><\/div><div class=\"vfb-col-5 vfb-fieldType-text\" id=\"vfbField557\"><div class=\"vfb-form-group\"><label for=\"vfb-field-557\" class=\"vfb-control-label\">Surname <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-557\" class=\"vfb-form-control\" placeholder=\"Surname*\" required=\"required\" type=\"text\" name=\"vfb-field-557\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-5 vfb-fieldType-text\" id=\"vfbField558\"><div class=\"vfb-form-group\"><label for=\"vfb-field-558\" class=\"vfb-control-label\">Name<\/label><div><input id=\"vfb-field-558\" class=\"vfb-form-control\" placeholder=\"Name\" type=\"text\" name=\"vfb-field-558\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-text\" id=\"vfbField559\"><div class=\"vfb-form-group\"><label for=\"vfb-field-559\" class=\"vfb-control-label\">Street\/No.<\/label><div><input id=\"vfb-field-559\" class=\"vfb-form-control\" placeholder=\"Street\/No.\" type=\"text\" name=\"vfb-field-559\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-text\" id=\"vfbField560\"><div class=\"vfb-form-group\"><label for=\"vfb-field-560\" class=\"vfb-control-label\">Postal Code <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-560\" class=\"vfb-form-control\" placeholder=\"Postal Code*\" required=\"required\" type=\"text\" name=\"vfb-field-560\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-text\" id=\"vfbField561\"><div class=\"vfb-form-group\"><label for=\"vfb-field-561\" class=\"vfb-control-label\">Place<\/label><div><input id=\"vfb-field-561\" class=\"vfb-form-control\" placeholder=\"Place\" type=\"text\" name=\"vfb-field-561\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-email\" id=\"vfbField562\"><div class=\"vfb-form-group\"><label for=\"vfb-field-562\" class=\"vfb-control-label\">E-Mail* <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-562\" class=\"vfb-form-control\" placeholder=\"E-Mail*\" required=\"required\" type=\"email\" name=\"vfb-field-562\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-text\" id=\"vfbField563\"><div class=\"vfb-form-group\"><label for=\"vfb-field-563\" class=\"vfb-control-label\">Telephone* <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-563\" class=\"vfb-form-control\" placeholder=\"Telephone*\" required=\"required\" type=\"text\" name=\"vfb-field-563\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-3 vfb-fieldType-date\" id=\"vfbField564\"><div class=\"vfb-form-group\"><label for=\"vfb-field-564\" class=\"vfb-control-label\">Date of birth* <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><input id=\"vfb-field-564\" class=\"vfb-form-control\" placeholder=\"Date of birth*\" required=\"required\" data-provide=\"datepicker\" type=\"text\" name=\"vfb-field-564\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-text\" id=\"vfbField578\"><div class=\"vfb-form-group\"><label for=\"vfb-field-578\" class=\"vfb-control-label\">Nationality<\/label><div><input id=\"vfb-field-578\" class=\"vfb-form-control\" placeholder=\"Nationality\" type=\"text\" name=\"vfb-field-578\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-select\" id=\"vfbField566\"><label for=\"vfb-field-566\" class=\"vfb-control-label\">Residence Permit<\/label><div><div class=\"vfb-form-group\"><select id=\"vfb-field-566\" class=\"vfb-form-control\" placeholder=\"\" name=\"vfb-field-566\"><option value=\"Residence Permit\">Residence Permit<\/option><option value=\"B\">B<\/option><option value=\"C\">C<\/option><option value=\"L\">L<\/option><option value=\"G\">G<\/option><\/select><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-text\" id=\"vfbField567\"><div class=\"vfb-form-group\"><label for=\"vfb-field-567\" class=\"vfb-control-label\">Current professional occupation<\/label><div><input id=\"vfb-field-567\" class=\"vfb-form-control\" placeholder=\"Current professional occupation\" type=\"text\" name=\"vfb-field-567\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-checkbox\" id=\"vfbField568\"><label for=\"vfb-field-568\" class=\"vfb-control-label\">Employment<\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-568-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-568\" type=\"checkbox\" name=\"vfb-field-568[0]\" value=\"1\">Employed<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-568-1\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-568\" type=\"checkbox\" name=\"vfb-field-568[1]\" value=\"1\">Self-employed<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-568-2\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-568\" type=\"checkbox\" name=\"vfb-field-568[2]\" value=\"1\">Student<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-568-3\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-568\" type=\"checkbox\" name=\"vfb-field-568[3]\" value=\"1\">Unemployed<\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-select\" id=\"vfbField569\"><label for=\"vfb-field-569\" class=\"vfb-control-label\">Are you insured with a pension fund?<\/label><div><div class=\"vfb-form-group\"><select id=\"vfb-field-569\" class=\"vfb-form-control\" placeholder=\"\" name=\"vfb-field-569\"><option value=\"I am insured with a pension fund\">I am insured with a pension fund<\/option><option value=\"I am not insured with a pension fund\">I am not insured with a pension fund<\/option><\/select><\/div><\/div><\/div><div class=\"vfb-col-3 vfb-fieldType-text\" id=\"vfbField570\"><div class=\"vfb-form-group\"><label for=\"vfb-field-570\" class=\"vfb-control-label\">Height<\/label><div><input id=\"vfb-field-570\" class=\"vfb-form-control\" placeholder=\"Height in cm\" type=\"text\" name=\"vfb-field-570\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-col-3 vfb-fieldType-text\" id=\"vfbField571\"><div class=\"vfb-form-group\"><label for=\"vfb-field-571\" class=\"vfb-control-label\">Weight<\/label><div><input id=\"vfb-field-571\" class=\"vfb-form-control\" placeholder=\"Weight in kg\" type=\"text\" name=\"vfb-field-571\" value=\"\"><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-6 vfb-fieldType-checkbox\" id=\"vfbField572\"><label for=\"vfb-field-572\" class=\"vfb-control-label\">Performance target(s)<\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[0]\" value=\"1\">Saving taxes<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-1\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[1]\" value=\"1\">Highest possible guarantee<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-2\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[2]\" value=\"1\"> Highest possible interest<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-3\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[3]\" value=\"1\"> Securing old-age pension<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-4\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[4]\" value=\"1\">Financing homeownership <\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-5\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[5]\" value=\"1\">Indirect amortization mortgage<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-6\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[6]\" value=\"1\">Securing family<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-572-7\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-572\" type=\"checkbox\" name=\"vfb-field-572[7]\" value=\"1\">Disability pension<\/label><\/div><\/div><\/div><div class=\"vfb-col-6 vfb-fieldType-checkbox\" id=\"vfbField573\"><label for=\"vfb-field-573\" class=\"vfb-control-label\">Desired savings amount per month<\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-573-0\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-573\" type=\"checkbox\" name=\"vfb-field-573[0]\" value=\"1\">maximal<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-573-1\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-573\" type=\"checkbox\" name=\"vfb-field-573[1]\" value=\"1\">400<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-573-2\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-573\" type=\"checkbox\" name=\"vfb-field-573[2]\" value=\"1\">300<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-573-3\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-573\" type=\"checkbox\" name=\"vfb-field-573[3]\" value=\"1\">200<\/label><\/div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-573-4\" class=\"\" placeholder=\"\" data-vfb-multiple=\"vfb-field-573\" type=\"checkbox\" name=\"vfb-field-573[4]\" value=\"1\">100<\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-textarea\" id=\"vfbField574\"><div class=\"vfb-form-group\"><label for=\"vfb-field-574\" class=\"vfb-control-label\">Comment<\/label><div><textarea id=\"vfb-field-574\" class=\"vfb-form-control\" placeholder=\"Let us know if you have any other requests or comments\" rows=\"10\" name=\"vfb-field-574\" cols=\"50\"><\/textarea><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-7 vfb-fieldType-captcha\" id=\"vfbField575\"><div class=\"vfb-form-group\"><label for=\"vfb-field-575\" class=\"vfb-control-label\">Captcha <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div><\/div><input type=\"hidden\" name=\"_vfb_captcha_simple_enabled\" value=\"1\" id=\"\"><input id=\"vfb-field-575\" class=\"vfb-form-control form-count\" placeholder=\"\" required=\"required\" data-vfb-required=\"1\" data-vfb-type=\"integer\" data-vfb-minlength=\"2\" data-vfb-maxlength=\"2\" type=\"text\" name=\"_vfb_captcha_simple-24\" value=\"\"><span class=\"vfb-help-block\">For security verification, please enter any random two digit number. For example: 16<\/span><\/div><\/div><\/div><div class=\"vfb-col-5 vfb-fieldType-checkbox\" id=\"vfbField576\"><label for=\"vfb-field-576\" class=\"vfb-control-label\"> <span class=\"vfb-required-asterisk\">*<\/span><\/label><div><div class=\"vfb-checkbox\"><label><input id=\"vfb-field-576-0\" class=\" datenschutz-check\" placeholder=\"\" data-vfb-multiple=\"vfb-field-576\" required=\"required\" type=\"checkbox\" name=\"vfb-field-576[0]\" value=\"1\"><small>I agree with the<a href=\"https:\/\/onezone.ch\/en\/privacy\/\">Privacy Policy<\/a>*<\/small><\/label><\/div><\/div><\/div><div class=\"vfb-clearfix\"><\/div><div class=\"vfb-col-12 vfb-fieldType-submit\" id=\"vfbField577\"><button id=\"vfb-field-577\" class=\" btn btn-primary\" placeholder=\"\" type=\"submit\" name=\"_vfb-submit\">Receive non-binding proposals<\/button><\/div><div class=\"vfb-clearfix\"><\/div><\/form>\n\n\n\n<div style=\"height:56px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<section id=\"res-text-bild-block_6a052cb90bab262ab3202195311a3645\" class=\"res-block res-text-bild layout01 pt-3 Transparent \t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_6a052cb90bab262ab3202195311a3645.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 0%;}\n\t\t\t  #res-text-bild-block_6a052cb90bab262ab3202195311a3645.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 0%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row  \">\n\t\t\t<div class=\"col-md-12 txt-box \">\n\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<h2>Tips and tricks<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox offset-md-1\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\r\n\t<section id=\"res-collapse-block_5c2c7fde632421deadccd7efe45125a6\" class=\"res-collapse pb-2 Transparent\" style=\"background: transparent;\">\r\n\t\t<div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\r\n\t\t\t<div id=\"res_collapse_jGrolrkIoR\" class=\"collapse-all\">\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t<div class=\"card\">\r\n\t\t\t\t\t<a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-1\" aria-expanded=\"true\" aria-controls=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-1\">\r\n\t\t\t\t\t\t<div class=\"card-header d-flex justify-content-between\" id=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-1\">\r\n\r\n\t\t\t\t\t\t\t<!-- Title -->\r\n\t\t\t\t\t\t\t<h4 class=\"title-collapse\">How much can I invest periodically into pillar 3a?<\/h4>\r\n\r\n\t\t\t\t\t\t\t<div class=\"collapse-icon\" id=\"arrow-collapse\"> <i class=\"fal fa-chevron-down rotate-icon\"><\/i><\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<div id=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-1\" class=\"collapse\" aria-labelledby=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-1\" data-parent=\"#res_collapse_jGrolrkIoR\">\r\n\t\t\t\t\t\t<div class=\"card-body\">\r\n\t\t\t\t\t\t\t<p>The maximum amount you can pay into a pillar 3a account or policy is adjusted annually. In addition, there are differences for employees who are compulsorily insured in the 2nd pillar through their employer and persons who are self-employed and are not subject to the occupational pension scheme.<\/p>\n<p>For the year <strong>2023<\/strong>, <strong>employees<\/strong> can pay in a <strong>maximum<\/strong> of <strong>CHF 7056<\/strong> per year, whereas <strong>self-employed<\/strong> persons who are <strong>not insured<\/strong> in the <strong>second<\/strong> <strong>pillar<\/strong> can pay in up to <strong>20% of their salary<\/strong>, but a <strong>maximum of CHF 35280 per year.<\/strong><\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"card\">\r\n\t\t\t\t\t<a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-2\" aria-expanded=\"true\" aria-controls=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-2\">\r\n\t\t\t\t\t\t<div class=\"card-header d-flex justify-content-between\" id=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-2\">\r\n\r\n\t\t\t\t\t\t\t<!-- Title -->\r\n\t\t\t\t\t\t\t<h4 class=\"title-collapse\">Until when should I pay into my 3a deposit?<\/h4>\r\n\r\n\t\t\t\t\t\t\t<div class=\"collapse-icon\" id=\"arrow-collapse\"> <i class=\"fal fa-chevron-down rotate-icon\"><\/i><\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<div id=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-2\" class=\"collapse\" aria-labelledby=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-2\" data-parent=\"#res_collapse_jGrolrkIoR\">\r\n\t\t\t\t\t\t<div class=\"card-body\">\r\n\t\t\t\t\t\t\t<p>In principle, you can pay into your 3a account or policy at any time. However, if you have made a contract with monthly premium payment, the corresponding installment must be paid before the end of each month for the next month. If you have chosen annual payment, the amount must be credited to the account by the last day of the year.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"card\">\r\n\t\t\t\t\t<a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-3\" aria-expanded=\"true\" aria-controls=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-3\">\r\n\t\t\t\t\t\t<div class=\"card-header d-flex justify-content-between\" id=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-3\">\r\n\r\n\t\t\t\t\t\t\t<!-- Title -->\r\n\t\t\t\t\t\t\t<h4 class=\"title-collapse\">What is the difference between pillar 3a and 3b?<\/h4>\r\n\r\n\t\t\t\t\t\t\t<div class=\"collapse-icon\" id=\"arrow-collapse\"> <i class=\"fal fa-chevron-down rotate-icon\"><\/i><\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<div id=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-3\" class=\"collapse\" aria-labelledby=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-3\" data-parent=\"#res_collapse_jGrolrkIoR\">\r\n\t\t\t\t\t\t<div class=\"card-body\">\r\n\t\t\t\t\t\t\t<p>Both types of third pillar serve as financial security or achievement of certain financial goals. Pillar 3a is a bound pension plan with more restrictions but more tax advantages, pillar 3b is a free pension plan that is more flexible but also has fewer tax advantages. These are the points where the two columns differ:<\/p>\n<p><strong>Goals\/Benefits:<\/strong><\/p>\n<p>The bound pension plan 3a serves mainly as a safeguard for the financial future, or for retirement age. Pillar 3b can be used for any savings goals.<\/p>\n<p><strong>Term:<\/strong><\/p>\n<p>Pillar 3a runs until retirement age. Pillar 3b has an individual duration and is defined when the contract is signed, depending on the person&#8217;s goal.<\/p>\n<p><strong>Withdrawal before expiration of contract <\/strong>:<\/p>\n<p>The bound pension can only be paid out for home ownership, self-employment or in the event of definitive departure from Switzerland before expiry. The capital from pillar 3b can be withdrawn at any time.<\/p>\n<p><strong>Maximum amount<\/strong>:<\/p>\n<p>For employed persons, the maximum amount for 2023 in pillar 3a is CHF 7056 per year. There is no maximum amount to consider for Pillar 3b.<\/p>\n<p><strong>Tax Savings:<\/strong><\/p>\n<p>As the state has greater certainty that you will be able to assure yourself a good and autosufficient continuation of your current lifestyle after retirement thanks to your bound pillar 3a and you will not need any supplementary benefits from the state, it rewards you with a tax reduction. You can deduct the amount you are paying into 3a from your taxable income each year.<\/p>\n<p><strong>Who can take it out:<\/strong><\/p>\n<p>A bound pillar 3a can only be taken out by persons residing and working in Switzerland. Any person can take out a Pillar 3b.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"card\">\r\n\t\t\t\t\t<a data-anchor=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-4\" aria-expanded=\"true\" aria-controls=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-4\">\r\n\t\t\t\t\t\t<div class=\"card-header d-flex justify-content-between\" id=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-4\">\r\n\r\n\t\t\t\t\t\t\t<!-- Title -->\r\n\t\t\t\t\t\t\t<h4 class=\"title-collapse\">3a pillar better with Bank or Insurance?<\/h4>\r\n\r\n\t\t\t\t\t\t\t<div class=\"collapse-icon\" id=\"arrow-collapse\"> <i class=\"fal fa-chevron-down rotate-icon\"><\/i><\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/a>\r\n\r\n\t\t\t\t\t<div id=\"collapse-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-4\" class=\"collapse\" aria-labelledby=\"heading-res-collapse-block_5c2c7fde632421deadccd7efe45125a6-4\" data-parent=\"#res_collapse_jGrolrkIoR\">\r\n\t\t\t\t\t\t<div class=\"card-body\">\r\n\t\t\t\t\t\t\t<p>Basically, there is no definitive answer to this question. It always depends on the individual situation of the person. However, there are some features that in most situations brings to the decision to make the pillar 3a or 3b with an insurance company:<\/p>\n<p>Insurance policies feature a guaranteed lump sum at maturity on the policy. In most cases, the administrative costs at the end of the maturity are also lower with an insurance than with a fund of the bank. In addition, the insurance companies show a higher stability.<\/p>\n<p>The best solutions are those where the saved capital is secured every year, thus increasing the guarantee year by year.<\/p>\n<p>Depending on the investment strategy, certain companies also offer protection against negative performance, so that no loss is offset.<\/p>\n<p>It is even more tragic when the losses are fully borne by the investor at the end of the term and time does not allow to recover these losses (big risk with bank funds).<\/p>\n<p>Additionally, with life insurance, you have inheritance privilege. This means: benefits are paid to the beneficiaries even if an inheritance is disclaimed. Since the capital is not included in the estate, it is paid out directly to the beneficiaries.<\/p>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\t\t<\/div>\r\n\t<\/section>\r\n\r\n\n\n\n\n<section id=\"res-text-bild-block_eb74693a0ee90a50f1416ed13df31884\" class=\"res-block res-text-bild layout01 pt-3 Transparent \t\" style=\"background: transparent;\">\n  <div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\n\n\t\t\t  <style>\n\t\t\t @media only screen and (min-width: 970px) {\n\t\t\t  #res-text-bild-block_eb74693a0ee90a50f1416ed13df31884.res-text-bild .layout-1 .txt-imagebox.offset-md-1 {margin-left: 0%;}\n\t\t\t  #res-text-bild-block_eb74693a0ee90a50f1416ed13df31884.res-text-bild .layout-1 .txt-box.offset-md-1 {margin-left: 0%;}\n\t\t\t}\n\t\t\t \n\t\t  <\/style>\n\n\n        <div class=\"layout-1 row  \">\n\t\t\t<div class=\"col-md-12 txt-box \">\n\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<h2>This is how 3rd pillar works in Switzerland (German)<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t <div class=\"txt-text postContent pt-2 pt-md-2\">\n\t\t\t\t\t\n\t\t\t\t\t \n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\n\t\t\t<\/div>\n\n\t\t\t<div class=\"col-md mb-2 mt-md-1 txt-imagebox offset-md-1\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<\/div>\n\n\n\t\n\t<\/div>\n<\/section>\n\n\n\n\r\n<section id=\"res-video-play-html-block_3f7a188e04d5fff621ab9b817173d466\" data-platform=\"youtube\" class=\"res-video-play-html aligncenter py-2 Grau video-play\">\r\n\t<div class=\"html-video text-center\" data-aos=\"res-fadeIn\">\r\n\r\n\t\t<style>\r\n\t\t\t\t\t\t            #res-video-play-html-block_3f7a188e04d5fff621ab9b817173d466.res-video-play-html .res-vid-progressbar-container {display: none !important;}\r\n\t\t\t\t\t\t            #res-video-play-html-block_3f7a188e04d5fff621ab9b817173d466.res-video-play-html .res-vid-time {display: none !important;}\r\n\t\t\t\t\t\t            #res-video-play-html-block_3f7a188e04d5fff621ab9b817173d466.res-video-play-html .res-vid-mute-btn,\r\n            #res-video-play-html-block_3f7a188e04d5fff621ab9b817173d466.res-video-play-html .res-vid-playback-btn {display: none !important;}\r\n\t\t\t\t}\r\n\t\t\t\t\t<\/style>\r\n\t\t\r\n\t\t<div class=\"res-vid-frame videobox-clean\">\r\n\t\t\t<div id=\"video_block_3f7a188e04d5fff621ab9b817173d466\" class=\"res-vid-container mr-car\">\r\n\r\n\t\t\t\t<!-- VIDEO PLAY BUTTON -->\r\n\t\t\t\t<div class=\"no--res-vid-play-btn\"><\/div>\r\n\r\n\t\t\t\t<div class=\"res-vid-overlay\">\r\n\t\t\t\t\t<!-- VIDEO MAIN -->\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"videoplayer-container youtube-video \">\r\n\t\t\t\t\t\t\t<iframe\r\n\t\t\t\t\t\t\t\tclass=\"externalVideo\"\r\n\t\t\t\t\t\t\t\tdata-platform=\"youtube\"\r\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.youtube.com\/embed\/L6XB0OXgGf8?enablejsapi=1\"\r\n\t\t\t\t\t\t\t\tallow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\r\n\t\t\t\t\t\t\t\tallowfullscreen frameborder=\"0\"><\/iframe>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t<!-- VIDEO Poster \/ Video -->\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\r\n\t<\/div>\r\n<\/section>\r\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\t<section id=\"res-logo-slider-block_7fe85ae167d188f762701985f32bcadb\" class=\"res-block res-logo-slider alignfull py-1 Grau\" style=\"background-color: #eeeff6;\">\r\n\t\t<div class=\"inner-container container-off\" data-aos=\"res-fadeIn\">\r\n\t\t\t<div class=\"logoslider-outside-frame no-center-mode-desktop no-center-mode-mobile\">\r\n\r\n\t\t\t\t<style>\r\n                    #res-logo-slider-block_7fe85ae167d188f762701985f32bcadb .box-item {margin-right: 100px;}\r\n\t\t\t\t\t\r\n                    @media only screen and (min-width: 970px) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t#res-logo-slider-block_7fe85ae167d188f762701985f32bcadb.alignfull .no-center-mode-desktop .slider {margin-left: 180px;}\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t#res-logo-slider-block_7fe85ae167d188f762701985f32bcadb .logo-boxlayout01 .logobox-overlayer {background: rgba(0,0,0,0.4 );}\r\n\t\t\t\t\t\t\r\n                    }\r\n\t\t\t\t<\/style>\r\n\r\n\t\t\t\t\t\t\t\t\t\t<div id=\"res_slider_content_1B1Ivn7Yhx\" class=\"slider d-md-block d-block equal-boxheight\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-zurich-440x270.png\" alt=\"logo zurich insurance\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-helvetia-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-pax-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-swica-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-axa-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-css-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-basler-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-item my-2 logo-boxlayout01 \" data-aos=\"res-rightIncoming\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-inner   flatbox  h-100\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postBox position-relative text-left\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postImg box-overlayer-img overflow-hidden\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"img-fluid w-100 \" src=\"https:\/\/onezone.ch\/wp-content\/uploads\/2022\/07\/onezone-partner-axa-440x270.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\r\n\t\t\t\t\t<div class=\"modal fade\" tabindex=\"-1\" role=\"dialog\" aria-hidden=\"true\" id=\"res_slider_content_1B1Ivn7Yhx_modal\">\r\n\t\t\t\t<div class=\"modal-dialog logoslider-modal\">\r\n\t\t\t\t\t<div class=\"modal-content\">\r\n\t\t\t\t\t\t<div class=\"modal-header\">\r\n\t\t\t\t\t\t\t<button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\r\n\t\t\t\t\t\t\t\t<span class=\"x-close\" aria-hidden=\"true\"><\/span>\r\n\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div 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