Pillar 3a plan

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

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.

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.

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.