Create a self-determined future.


Tax-privileged saving

Reduce your taxable income through Pillar 3a payments and benefit from tax-exempt interest and dividend income. Besides, you benefit from the low tax at source in Canton Schwyz if you leave Switzerland permanently.

Beneficial capital withdrawal

Our pension provision coach can advise you on how to withdraw your retirement funds.

Individual investment strategy

Cost-effective indexed investment or a customised portfolio: it's up to you.

Tax advantages

Tax privileged deposits, tax advantages when making partial capital withdrawals or moving abroad: that is how you benefit with us.

Insurance cover

Individually insured, global protected.
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PensFree Vested Benefits Foundation

When taking a career break, you can park your pension fund assets in a vested benefits account. That means your pension assets plus interest and capital earnings are tax-exempt. The PensFree vested benefits foundation is ideal for anyone

  • exiting their pension fund, whether permanently or temporarily
  • carefully planning early retirement
  • definitively moving abroad
  • with surplus capacity prior to joining a new pension fund
  • about to start self-employment

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Pens3a Pension Foundation

There are good reasons to start saving for retirement early. For example, if you want to maintain the same standard of living after retirement. Or if you want to save taxes. Who benefits from the Pens3a pension foundation?

  • The self-employed
  • Employees with investment potential
  • People moving abroad with Pillar 3a assets

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