Pillar 3a plan

It’s a voluntary Swiss pension plan that helps you save for retirement while reducing your taxes.

The maximum amount for pillar 3a will remain unchanged in 2026: with a pension fund, a maximum of CHF 7,258 can be paid in; without a pension fund (self-employed persons), 20% of net income, up to a maximum of CHF 36,288. From 2026, it will also be possible for the first time to make additional purchases to cover contribution gaps from 2025. The payment must be made by December 31, 2026.

Your contributions are fully tax-deductible, your savings grow tax-free, and withdrawals are taxed at a reduced rate.

In the best scenario at retirement. But our risk profiles are also set up for a shorter periods. Early withdrawal is possible for buying a home, becoming self-employed, moving abroad, or in cases of disability or death.

Depending on your chosen risk profile, your money will be invested through the arvy equity fund in a carefully selected portfolio of 30 quality companies, and complemented with the Flossbach Bond Opportunities Fund.

To ensure optimal processing, we bundle investments twice a month – on the 2nd and 16th calendar day.

Visibility in the app: Please note that securities clearing and technical processing takes a short amount of time. Your transaction will therefore usually be finally displayed in your app overview two banking days after the investment date.

Weekends & holidays: If one of these days falls on a weekend or public holiday, execution will automatically be postponed to the next possible banking day.

Investments carry risk, but our diversified portfolio reduces it. Plus, 3a plans are strictly regulated in Switzerland.

Changing jobs doesn’t affect your 3a. If you permanently move abroad, you may be able to withdraw early.

Yes! Many people open several accounts to spread withdrawals and lower taxes later.

Banks often keep 3a savings in low-interest accounts. Arvy invests for long-term growth, with simple digital onboarding and tailored strategies.

Your savings go to your legal heirs or chosen beneficiaries, following Swiss law.

Required documents

For processing, two specific documents must be downloaded directly from Liberty, completed, and submitted:

1. Withdrawal to Finance Home Ownership
2. Confirmation of home ownership

Documents are available via this link

Reasons for early withdrawal

An early withdrawal can be claimed under various circumstances:

• Home ownership: Purchase of owner-occupied residential property, acquisition of shares in housing cooperatives, value-enhancing investments, or (partial) repayment of an existing mortgage.
• Career change: Starting self-employment.
• Emigration: Leaving Switzerland permanently.
• Hardship cases: Under certain conditions, in the event of a disability of at least 70%.

Important note regarding processing time

Plan ahead: According to Liberty, processing your application takes 30 business days.