Pillar 3a plan

Build your retirement wealth
with arvy’s Pillar 3a

Save on taxes while growing your retirement savings with full
flexibility

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The calculations shown are for illustrative purposes only and do not constitute investment advice or a recommendation to buy or sell any financial product. Past performance is not a reliable indicator of future results. The assumed annual return of 6% for equities is a simplified estimate for demonstration purposes and may differ from actual market performance. Historically, Swiss equities have returned approximately 7.7% per year in CHF, while the 0.5% savings rate reflects an indicative average for Swiss savings accounts. Actual returns may vary due to market fluctuations, inflation, taxes, fees, and individual investment decisions.

benefits

Your future. Your goals. Your 3a!

From lowering taxes to boosting retirement income, your 3a gives you
the tools to build lasting wealth and achieve your life goals

Starting from CHF 1

Save regularly with standing orders and enjoy tax deductions.

Quality investments

Grow your money with 30 carefully selected companies.

Personalized risk profiling

Get an investment strategy that matches your risk profile.

Retirement security

Strengthen your pension with long-term savings for the future.

See the risk profiles
Start building my pension

Risk profiles

Choose from our 5 risk profiles

Five profiles. One destination: your future. Select the investment approach that
matches your ambitions and take control of your long-term wealth.

Climbing

Think of it like:
 Climbing a steep mountain. Tough, thrilling, and with the best view if you reach the top.

What it means:
Almost all your money is in stocks. It can grow the fastest, but it will also swing the most during bad years.

Who is it for:
People who can invest for 7+ years, don’t mind ups and downs, and want to maximize long-term returns.

97% in stocks

For go getter chasing the highest growth

Risk/Reward
Very high
  • For the strongest long-term growth potential.
  • Perfect if you can invest for 7+ years and don’t mind bigger ups and downs.
  • Expected return: 7% per year.
  • Starting from CHF 1

Mountaineering

Think of it like:
 A challenging mountain trek, still exciting, but with a bit more balance and safety gear.

What it means:
 Most of your money is in stocks, with a small portion in safer investments to soften the ride.

Who is it for:
 People investing for 7+ years who want strong growth but slightly less risk than pure Climbing.

77% in stocks

For investors who want growth with a little balance

Risk/Reward
High
  • For strong growth, with a small safety net.
  • Best if you can invest for 7+ years but want a touch more stability than Climbing.
  • Expected return: 6% per year.
  • Starting from CHF 1

Hiking

Think of it like:
 A long hike. Steady, enjoyable, with ups and downs but not too extreme.

What it means:
 A mix of stocks for growth and safe investments for stability. Your money grows steadily without wild swings.

Who is it for:
 People investing for 5+ years who want a middle ground between growth and safety.

57% in stocks

For balanced investors who like steady progress

Risk/Reward
Medium
  • A mix of stocks for growth and safer assets for stability.
  • Best if you can invest for 5+ years and want fewer swings.
  • Expected return: 5% per year.
  • Starting from CHF 1

Walking

Think of it like:
 A calm walk on a safe trail. Predictable and smooth, though slower to reach the destination.

What it means:
 More of your money is in safe investments, with less in stocks. Returns are slower, but your savings stay steadier.

Who is it for:
 People investing for 3+ years who prefer stability and don’t like seeing big ups and downs.

37% in stocks

For careful investors who prefer safety over speed

Risk/Reward
Low
  • More in safe investments, less in stocks. Lower growth but much smoother ride.
  • Best if you can invest for 3+ years and want stability.
  • Expected return: 4% per year.
  • Starting from CHF 1

Strolling

Think of it like:
 A gentle stroll in the park. Safe, relaxed, and with no surprises, but you won’t cover much ground.

What it means:
 Almost all your money is kept safe, with just a little in stocks for small growth. Very low risk, very stable.

Who is it for:
 People investing for 3+ years who care more about protecting their savings than growing them fast.

22% in stocks

For risk-averse investors who want peace of mind

Risk/Reward
Very low
  • Mostly in safe investments, with just a little growth potential.
  • If you want to invest for 3+ years and keep risk low.
  • Expected return: 3% per year.
  • Starting from CHF 1
Explore our other plans
Open Pillar 3a account

how it works

Your first investment is just 3 steps away

Investing with arvy is straightforward. We’ve stripped away the complexity, so you can start building your future with ease and confidence.

arvy 3a account opening mobile

Open your account

All you need is a PC and a copy of your ID, and if available, your current 3a policy number

Get started now
arvy 3a risk profiles mobile

Determine your risk type

Next, answer a few questions about your risk appetite so we can suggest the right profile for you.

Get started now

Set up standing order from you bank and save taxes

Forget wondering when is best to invest. Set up a standing order from your salary account and enjoy hassle-free investing with tax savings.

Get started now
arvy 3a account opening desktop

Open your account

All you need is a PC and a copy of your ID, and if available, your current 3a policy number

Get started now
arvy 3a risk profiles desktop

Determine your risk type

Next, answer a few questions about your risk appetite so we can suggest the right profile for you.

Get started now

Set up standing order from you bank and save taxes

Forget wondering when is best to invest. Set up a standing order from your salary account and enjoy hassle-free investing with tax savings.

Get started now

FEES

Simple, fair, and transparent

Know exactly what you’re paying! No hidden fees, just
straightforward pricing.

annually

0.93%

What is included in the fee?

  • Professional management of your portfolio
  • Included foreing currency surcharges
  • All transaction costs and custody fees
  • Tax certificate

How arvy compares to others

How arvy compares to others

We’re not a selling products — we’re long-term co-investors sharing the same journey, insights, and conviction.

  • Philosophy
  • Transparency
  • Engagement
  • Minimum
  • We invest the same
  • Access to holdings and reasoning
  • Insights, videos, arvy’s weekly
  • CHF 100
  • Bank
  • Products only
  • No transparency
  • Call-Center
  • CHF 10’000+
  • Robo-advisor
  • Platform only
  • Limited transparency
  • Automated E-Mail
  • CHF 500 – 30’000
Calculate your savings
Open Your Pillar 3a

A solid Pillar 3a thanks to our partners

Your money is safe thanks to the cooperation with Hypi Lenz &
Liberty Vorsorgestiftung & Flossbach von Storch

Testimonials

What our clients say

Vanessa Rüegg

”Arvy impresses with its innovative solutions that make investing accessible and understandable. I especially like the combination of excellent customer service and an informative newsletter that offers education, inspiration and entertainment. The simple and intuitive design makes investing a real lifestyle. A great all-in-one solution for anyone looking to enter the world of investing or modernize their strategy!”

Matt Schellenberg

”A great new platform that’s committed to taking users on a journey with exciting and entertaining knowledge. I look forward to the arvy Weekly newsletter and the background information on investments every Friday.”

Leroy Bächtold

”Arvy is an absolutely innovative company! I’m particularly impressed by the newsletter, which not only informs but also inspires and entertains. A fantastic lifestyle investment product that breathes fresh air into the financial world!”

Tim Odermatt

”A competent, innovative, and reputable team that provides exciting background information on investing in a new format.”

Kevin Gianom

”Absolutely great! I‘m really happy that I went with arvy. Easy to invest, great customer support and I‘m extremely impressed with the performance of my investment. Being in the top 10% of funds is no coincidence.”

Read more success stories
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Latest investment stories & insights

We share captivating and educational stories about the markets and companies, every Friday, in less than 5 minutes. This will keep you up to date with what’s happening in the world and make you the smartest person in the room.

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FAQ

Still unsure? We’ve got answers

Everything you need to know before you get started. If you still have
questions, we’re just a message away.

What is Pillar 3a?

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

How much can I pay in each year?

The government sets a yearly maximum. If you’re employed, it’s a fixed amount ( CHF 7 258 for 2025). If you’re self-employed, you can pay in more.

What tax benefits do I get?

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

When can I take the money out?

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.

How does arvy invest my money?

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.

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