Pillar 3a

Where Many Go Passive,

We Advocate Active

Our philosophy is straightforward: long-term success requires diverging from the usual market path. This approach not only aims to outperform the market but also offers the added perk of being tax-advantaged.


What is pillar 3a?

3 Pillars of Swiss Pension System

Our Partners


What are the arvy benefits?


A Hybrid Investment Approach

We believe that investing is more art than science. It requires a certain amount of creativity, intuition and experienced judgment, in addition to certain basic principles and techniques. You need a human touch.

  • A strong focus on risk-adjusted returns delivered over decades
  • Hybrid Investment Approach. Combining Fundamentals and Technicals (Good Story and Good Chart)
Good Story Good Chart

Compounding Effect

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Investment Value: CHF0.00


What is Pillar 3a in the Swiss Pension System?

Pillar 3a refers to the voluntary private pension system in Switzerland, designed as a part of the country’s comprehensive three-pillar pension structure. This pillar allows individuals to save for retirement through tax-advantaged pension accounts. Contributions to Pillar 3a accounts are tax-deductible up to a certain limit and the capital grows tax-free. Withdrawals from these accounts are taxed at a reduced rate. Pillar 3a is an important component for individuals looking to supplement their mandatory state (Pillar 1) and occupational (Pillar 2) pensions, providing an opportunity to increase financial security in retirement. It is especially beneficial for those who seek to maximize their retirement savings and take advantage of the tax benefits offered by the Swiss pension system.

What is the maximum amount I can contribute to Pillar 3a annually?

The maximum contribution limit to Pillar 3a accounts is periodically adjusted. For employed individuals with a pension fund, the limit is generally lower than for self-employed individuals without a pension fund. For 2024 its CHF 7’056 with a pension plan and CHF 35’280 for self-employed.

Can I withdraw my Pillar 3a funds before retirement?

Early withdrawal of Pillar 3a funds is permitted under certain conditions, such as emigration, starting a business, purchasing residential property, or if you become permanently disabled. However, this early withdrawal is subject to taxation.

How does Pillar 3a affect my taxes?

Contributions to Pillar 3a can be deducted from your taxable income, reducing your annual tax liability. The capital in the account grows tax-free. However, when you withdraw the funds (usually at retirement), they are subject to a separate, reduced tax rate.

How Does It Work?

In collaboration with our partner Liberty Vorsorge, we’ve developed a streamlined framework that enables active investment through ‘Arvy Equity’ for equity allocation and ‘Flossbach Bond Opportunities’ for bond allocation. The unique aspect of our approach is that your investment is tailored based on your individual risk profile, leading to a personalized blend of these two components.
Here’s the simple process:
Opening Your Account: You’ll begin by setting up a Pillar 3a account with Liberty, which can be conveniently done online in just about 10 minutes.
Transferring or Contributing Funds: Once your account is active, you have the flexibility to either transfer your existing Pillar 3a contributions or make new deposits.
Investment According to Your Profile: Based on the risk profile you select, your contributions will then be strategically invested across ‘Arvy Equity’ and ‘Flossbach Bond Opportunities’.
The whole process is designed to be straightforward and efficient – it’s investing made simple. With just a few steps, you can start aligning your retirement savings with your personal investment goals.


This Document is addressed solely to Recipients to whom it has been delivered by arvy AG or its affiliated companies. It may not be shared in whole or in part with any other persons without the prior written consent of arvy AG or its affiliated companies. This Document is not addressed to any person or entity in any jurisdiction where this may be unlawful. All Recipients take full and sole responsibility for compliance with applicable laws and regulations in relation to any use they make of the Document. The Document is an advertising document for general informational purposes only. Nothing contained in this Document constitutes legal, tax or investment advice. The information in this Document does not constitute an offer, solicitation or recommendation to buy or sell any financial instruments, or to engage in any other transaction involving financial instruments. Before making an investment decision, the Recipient should always read all relevant legal documents as well as any other material which might be required under local laws and regulations, especially all relevant risk disclosures contained therein, and seek professional advice. Any investment decision lies in the sole responsibility of the Recipient. Although the Document is based on information that arvy AG considers to be reliable, arvy AG does not guarantee that the content is accurate, up-to-date or complete. arvy AG may amend the Document partly or entirely at any time without prior notice. arvy AG is not obliged to provide the Recipients with an amended version of the Document. In Switzerland, this Document may only be provided to qualified investors within the meaning of article 10 paragraph 3 and 3ter of the Swiss Collective Investment Scheme Act. Past performance is no indication of current and future performance. arvy AG or its affiliated companies provide no guarantee, warranty or any other pledge regarding the future performance. Data from Koyfin.

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