Pillar 3a
Are you looking for an intelligent pillar 3a solution?
With the arvy 3a solution, you invest in 30 hand-picked quality companies. That’s all you need to build your wealth over the long term.
Pension Provision Made Easy – The Advantages of arvy
Up to 97% Quality Companies
Only the best is good enough. That’s why we invest in the 30 best companies worldwide.
3x Security
We have added three levels of security. 1. your 3a money is safe with the Liberty Pension Foundation. 2. cash is protected by Hypi Lenz’s deposit protection scheme. 3. your securities are held in a separate legal entity (special assets) and belong to you.
From 100.-
We all know that all beginnings are difficult. That’s why we’ve kept the minimum as small as possible.
10 minutes that will be worth it
1. Open Account
Open an account in just 10 minutes with our digital onboarding. All you need is a PC, a copy of your ID, and, if available, your current 3a policy number.
2. Risk Type
Next, answer a few questions about your risk appetite so we can suggest the right profile for you.
3. Save taxes
Start with CHF 100 and enjoy direct tax advantages. Welcome to the arvy community!
The Most Important Questions About arvy 3a & Account Opening
In this video, we answer the most important questions about our pillar 3a and account opening. We go through details such as collaboration with the foundation, account management, the fee model and the opening process. Watch the video to get all the important information and understand the process.
A Suitable Profile for Every Taste
*It is important to understand that past market performance is no guarantee of future performance. The actual assets realized may differ significantly from the estimates given here.
A Solid 3a Thanks to our Partners
Hypothekarbank Lenzburg
Cash that is not invested is held by “Hypi Lenz”. Thanks to the deposit protection of up to CHF 100,000, it is well protected in the event of Hypi’s bankruptcy.
Liberty Vorsorge
Your pillar 3a is held in safekeeping with the Liberty Foundation. With over 5 billion assets under management, Liberty from Central Switzerland is a reliable partner.
Flossbach von Storch
In addition to the 30 quality companies, we also offer more conservative investment models in cooperation with our bond partner FvS.
Do You Have Any Questions?
We’re here to help. You can either send a message to hello(at)arvy.ch, use the chat on the bottom right, or book a call with us.
SWISS PENSION SCHEME
What is pillar 3a?
Making provisions for the future is easier than you think – With the arvy 3a solution, you’re on track to enjoy a self-determined retirement. It’s designed for effortless investing, cutting down the hassle and paperwork.
Take a small step today by investing just a few minutes of your time. It’s a simple action that can significantly enhance your future!
Already a Client And Need Some Help?
Existing customers, please contact Liberty, our 3a partner. You can call them on +41 58 733 03 22 or send an e-mail to clientservice@liberty.ch
Compounding Effect
The impact of capital compounding is often understated, yet it’s a potent tool in wealth accumulation. When you start early, you harness this powerful effect to its fullest. Compounding doesn’t just add to your investments; it multiplies them over time. This exponential growth means that the returns you earn generate their own returns, creating a cascading effect on your wealth.
Beginning this journey sooner rather than later amplifies the compounding effect, allowing more time for your earnings to build upon themselves. It’s a strategy that leverages time as much as it does money, underscoring the truth that in investing, time can be as valuable as capital.
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Investment Value: CHF0.00
FAQ
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.
Is it safe?
Yes, your money is yours, no matter what happens to arvy. Why? We have added three layers of security. 1. your 3a money is safe with the Liberty Pension Foundation. 2. cash is protected by the Hypi Lenz deposit guarantee. 3. your securities are held in a separate legal entity (special assets) and belong to you.
How does it work?
You can open your 3a account on our website. You will need about 15 minutes, a photo of your ID or passport, your AHV number (e.g. on your health insurance card) and, if available, the contract number of your existing 3a account (should be on every 3a document). At the beginning you answer a few questions about your risk type, then you can select the right arvy profile and, if available, transfer your capital. After a few hours, you will receive a confirmation by e-mail. If you are transferring an existing account, please print out the “Services” PDF and sign it. After that, everything is done and you can sit back and relax.
How often can I deposit?
You can deposit as often as you like, up to a maximum of around CHF 7,000 per year. The money is invested once a month (always on the 16th).
How often can I deposit? How often is the rebalancing?
Investments and rebalancing takes place once a month (always on the 16th).
How often can I change the profile?
You can change your profile once a month.
How do I see my performance?
You can log in to our website via LibertyConnect to see your progress. In the future, we will share more background and information with you using our app.
Why do the fees during onboarding differ from those on the website?
The bond fund is weighted differently depending on the investment profile. As the costs are charged directly to the fund, we have reduced the other fees so that all profiles are equally expensive.
Should I make a payment once a year or monthly?
We recommend paying in monthly or quarterly to smooth out your entry costs. It’s best to set up a standing order so you don’t have to do anything else.
What is the minimum or maximum?
The minimum is CHF 100. The maximum you can pay in is CHF 7,056 per year.
Existing customers: Who can I contact for help?
For existing customers, please contact Liberty, our 3a partner. You can call them on +41 58 733 03 22 or send an e-mail to clientservice@liberty.ch
Disclaimer
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.