Whether stocks, bonds, or ETFs: Many Swiss people invest their money in securities.

Anyone purchasing a house or condominium in Switzerland is usually faced with the choice between a fixed-rate mortgage and a SARON mortgage.

Just under half of Swiss investors hold the majority of their assets in Swiss franc-denominated investments.

The imputed rental value will be abolished as of the 2029 tax year. One in four mortgages could be reduced or fully paid off.

A recent study by Privatkonto shows that while the range of services offered by Swiss banks is similar across the board, the costs vary greatly. Some providers attract custome ...

Researchers at the University of Basel, in collaboration with the consulting firm PPCmetrics, have investigated the transparency of nonprofit organizations:

The abolition of the imputed rental value means that maintenance costs are no longer tax deductible.

In addition to balancing work and family life, single parents often face financial challenges:

Rising real estate prices mean that long-term mortgage borrowers can no longer meet affordability requirements.

Even after the abolition of the imputed rental value, the public sector continues to benefit greatly from real estate owners.

Rising real estate prices are causing increasing problems for new buyers.

2025 is drawing to an end. To make sure you do not miss any important deadlines, we have prepared the following overview.

The Swiss people are generally satisfied with their lives.

The Swiss electorate has voted by a clear majority to abolish the owner-occupied value and a large proportion of the associated deductions.

Occupational pension provision fulfills many duties. For example, in the event of the death or disability of the insured person, it also protects his or her relatives.

The Swiss people are generally satisfied with their lives.

The Swiss National Bank (SNB) has cut the key interest rate by a further 0.25 percentage point to zero as of June 20, 2025.

A report by the supervisory authorities gives an overview of the challenges in auditing pension funds.

Many older people in Switzerland live cheaply, centrally located and spacious.

The abolition of home ownership would make home ownership much more attractive in the prevailing low interest rate environment.

If you want to stay in demand in the labor market, you should develop skills in areas such as artificial intelligence and big data.

When the Compare Invest comparison portal initiated by Liberty was launched over a decade ago, its success was unforeseeable. The merger on the Prefex pension platform is now ...

Many do not deal with inheritance until late in life.

The Council of States Committee on Economic Affairs and Taxes has dealt with the remaining differences in the proposal for a change in the system with regard to the net rental ...

The Federal Council is considering an increase in the taxes that accrue on the payout of pension assets.

2024 is drawing to an end. To make sure you do not miss any important deadlines, we have prepared the following overview.

As of 1 January 2025, the thresholds will be adjusted to reflect current trends in prices and wages. The following changes will apply.

On the occasion of the consultations on the proposal to abolish the taxation of a fictitious «own rent» for self-occupied residential property, the National Council has reposi ...

The dynamic rental price trend means that buying is once again considered a more attractive form of housing compared to renting.

The relevance of Swiss asset management has increased again following substantial growth in 2023.

In an analysis, Avenir Suisse shows why the 2nd pillar is a model for success.

Insured persons benefited from the good investment result in 2023. Pension funds earned an average interest rate of 2.2% on employees' pension capital.

The SNB's interest rate policy has brought the boom in demand for apartment buildings to an abrupt halt in 2023.

Long-term mortgages are likely to remain stable in the coming months. Interest rates on money market mortgages, on the other hand, are likely to fall.

The future modalities for purchases into pillar 3a are subject to many restrictions.

These are the constantly increasing regulation, the difficult search for qualified specialists and the correct implementation of data protection regulations in relation to cyb ...

A new web application is to simplify AHV registration for the self-employed.

The proportion of cohabiting families has risen sharply in the last decade: One in five couples with children under the age of five is now unmarried.

A smooth transition to retirement will be possible from 2024. These and other changes will come into force in January.

On January 1, 2024, several measures of the AHV 21 reform will come into force, including a more flexible retirement age.

People from German-speaking Switzerland have more confidence in the AHV and occupational pensions  than those from French-speaking Switzerland.

Falling share prices coupled with rising interest rates led to a negative trend for many Swiss pension funds in the third quarter of 2023.

Contributions to pillar 3a are tax-advantageous for low-income earners. The tax advantages come into play at different salary levels.

The majority of Swiss people only inherit when they themselves reach retirement age. Advance inheritance withdrawals could change this, but only one in seven people make use o ...

If the 1st pillar is meant to make the retirement of future generations financially possible, an AHV revision is urgently needed.

Coop has launched the Coop Finance+ app together with several financial services partners.

In order to ensure that your requests are processed on time in the current year, we recommend that you observe the following deadlines. Please note, that processing in 2023 ca ...

Since the beginning of the year, pension funds have recorded a return of +3.7%, as a result of which the coverage ratio currently stands at 106.5%.

A new platform wants to make knowledge on ageing policy accessible and expand it.

There are more and more patchwork families in Switzerland. They have special and sometimes complex coverage needs.

Self-employed people are also entitled to social assistance under certain circumstances. An important criterion here is economic viability.

The canton of Zurich has joined the Terravis network. Credit institutions, notaries and the land registry offices of 22 cantons already use the platform.

Mr. and Mrs. Swiss have become more reluctant to buy real estate in the first half of 2023.

Digital asset managers, also called robo advisors, are relatively new in Switzerland.

The financial situation of Swiss pension plans improved slightly in the second quarter of 2023.

The mortgage market in Switzerland continued to grow to over CHF 1'200 billion in 2022, even after the rise in interest rates.

GThe financial situation of the pension funds has improved.

Gaps in AHV contributions lead to painful pension cuts.

Prices for fixed-rate mortgages have been rising for some time. At the same time, interest rates for all maturities between 2 and 10 years are similarly high, at almost 3.00 % ...

Private saving for retirement with the 3rd pillar is becoming increasingly important in view of the financial uncertainty in the 1st and 2nd pillars.

The digitization of social insurance is progressing. The coordination of the numerous IT systems poses certain challenges.

Beat Eggli zeigt in seinem Referat die aktuellen Vorsorgemöglichkeiten.

The aging population will lead to heavy additional financial burdens on public budgets over the next 30 years.

Every fifth person in Switzerland will be over 65 by 2025. At this age, housing needs are increasingly changing, and the property must also meet future requirements.

Once again, this year's the best collective foundations in Switzerland were honored.

Retirement savings plans for high earners are controversial, among industry experts and savers alike.

Savings interest rates have hardly moved for many years. After the SNB raised the key interest rate in 2022 and 2023, this is now changing.

In May 2023, the Swiss Federal Commission for Occupational Retirement, Survivors' and Disability Pension Plans published the latest figures of the financial situation of Swiss ...

Under the title 'Trends in Pension Funds', pension fund consultant Complementa has presented its latest study «Risk Check-Up 2023».

The number of collective and joint institutions has remained stable despite the ongoing consolidation process in the 2nd pillar.

Many mortgage borrowers opted for a long-term mortgage years ago. But now it must be renewed.

Societies are aging at a rapid pace.

Pension funds must comply with official guidelines when managing their assets.

Many market participants expect an end to interest rate hikes in the near future.

In March 2023, Swiss fixed-rate mortgages were trading at their highest level this year. 

Credit Suisse will be fully acquired by UBS.

Despite the sharp rise in interest rates worldwide, the economy is proving to be relatively stable.

After a solid performance in January, Swiss pension funds posted negative returns in February.

In the post-retirement phase of life, some people strive for change once again. 

The aging of the Swiss population is progressing, while the birth rate is declining, and migration is decreasing.

Quite a few insured persons in the 2nd pillar have their pension fund assets paid out before or at retirement.

The Federal Council has decided that the Federal Law on the Taxation of Life Annuities and Similar Forms of Pension Provisions will come into force on January 1, 2025.

In the occupational pension system, the costs for administration and asset management total 6.8 billion francs per year. Each insured person therefore pays 1,500 francs a year ...

Despite interest rate hikes, pension fund are facing the challenge of restructuring their portfolios with inflation risks in mind. Many are now focusing on segments that offer ...

The investment year 2022 proved to be very challenging for institutional investors.

Rising energy prices place a heavy burden on people who own their own homes.

What are pension apps and how do they work? What providers are there and what costs can be incurred?

Swiss real estate experts see continued high demand for residential property. By contrast, office and commercial space continues to decline.

After a brilliant stock market year in 2021, inflation, rising interest rates and geopolitical tensions triggered a global bear market in 2022.

In AHV and IV, the minimum pensions will be raised by CHF 30 and the maximum pensions by CHF 60. Other amounts calculated based on AHV pensions will also be adjusted, especial ...

Along the entire value chains of banks and insurance companies, a gross value added of 92.6 billion Swiss francs was generated directly and indirectly in 2021. This is also as ...

Liberty - New thresholds and ceilings effective 1 January 2023  As of 1 January 2023, the thresholds will be adjusted to reflect current trends in prices and wages. ...

Due to the general population living longer, pension benefits are facing increasing pressure. From a sociopolitical perspective, there are three options: a pension cut, an inc ...

If a person passes without leaving a will or inheritance contract, the estate is distributed in accordance with the provisions of the law. Anyone who does not wish this to hap ...

Pension apps are significantly cheaper than most pension funds. However, there are big differences. LibertyGreen is one of the most affordable providers with its 3rd pillar pe ...

Most people draw their AHV pension when they reach the normal retirement age ...

Anyone wishing to purchase residential property in Q3 2022 had to dig deeper than usual into their pockets. Compared with the prior-year quarter, single-family homes cost 5.6% ...

Year-end processing - Important dates 2021 is drawing to an end. To make sure you do not miss any important deadlines, we have prepared the following overview:

In times of low interest rates, low returns and high inflation, some people are considering investing their money in real assets. Renovation and new construction projects are ...

More than half of the Swiss see a great need for reform in the AHV, but also in occupational pension provision. Just under 60% want the 2nd or 3rd pillars to be strengthened i ...

Für junge Erwachsene sind Vorsorge-Themen bei der Stellensuch meist zweitrangig. Dabei wäre es gerade für sie vorteilhaft, nicht nur auf den Lohn, sondern auch auf die Pension ...

Small and medium-sized companies see the high energy and raw material prices, the uncertain availability of raw materials and the shortage of skilled workers as the greatest e ...

Succession planning in a company is a complex process. It is often delayed and then requires external support. Those who deal with succession at an early stage increase their ...

Swiss voters have approved the amendment to the AHV law. The increase in value-added tax to finance the AHV was also approved by a majority. This means that a number of things ...

For the past eight years, Liberty Pension Ltd’s headquarters have been located at Milchstrasse 14, with an annex at Hausmatt 1 in Seewen-Schwyz. We are now moving on!

Some Swiss people consider spending their old age in a less expensive place abroad. In fact, some destinations offer a similar quality of life at a lower cost of living. Howev ...

The financial situation of pension funds deteriorated significantly in the first half of 2022. Rising interest rates and geopolitical uncertainties caused declines in almost a ...

According to a recent Comparis analysis, the Swiss middle class no longer has a chance of maintaining their previous standard of living after retirement. A miscalculation in p ...

According to a recent Comparis analysis, the Swiss middle class no longer has a chance of maintaining their previous standard of living after retirement. A miscalculation in p ...

The real estate market has suffered greatly from a shortage of supply in recent years. This is noticeable in the prices - they have risen sharply. The search for a suitable pr ...

A new AXA pension study shows: Private pension provision is still treated stepmotherly by young Swiss people. More than half of those under 30 do not have a 3rd pillar because ...

We kindly remind you that as of 30 September 2022, QR invoices will replace the orange and red payment slips in the whole of Switzerland ...

On September 25, 2022, Swiss voters will decide on the reform to stabilize the AHV (AHV 21). This reform will also affect occupational pension plans, for example by setting th ...

Swiss retirees are doing well: 73% of people aged 65 and over live in a household with high or very high financial satisfaction. And two-thirds say they can afford at least as ...

Those who own their own home and are already older, may want to throw off ballast and replace their lavish house with a garden, for example, with a spacious apartment. In doin ...

Those approaching retirement may be planning to buy a condominium. As a condominium owner, you often get more living space than with a house for the same price, and the operat ...

For Swiss pension funds, 2021 was a successful year thanks to good market conditions. Top pension funds generated over ten times as much return as others. A two-tier society i ...

The majority of Swiss people receive the lion's share of their retirement income from their pension fund. Yet the importance of the 2nd pillar is underestimated. This is due t ...

Pictet has produced a top-down analysis of the structural dynamics of the global economy over the next decade. According to this analysis, big governments, rising inflation an ...

In May, in addition to its annual activity report, the OAK BV presented the latest figures on the financial situation of Swiss pension funds. This comes ten years after the BV ...

Der Kauf eines Eigenheims ist für viele Leute die grösste finanzielle Anschaffung in ihrem Leben. Umso wichtiger ist es, den Kauf genauestens vorzubereiten und Risiken mit hoh ...

Käufer einer Eigentumswohnung müssen erstmals seit Langem wieder mehr bezahlen als für eine vergleichbare Mietwohnung. Diese Trendwende ist auf die starken Zinsanstiege bei Fi ...

Wer es sich leisten kann, einen Teil seiner Ersparnisse langfristig anzulegen, sollte in die Säule 3a investieren. Deren Attraktivität basiert auf dem Steuervorteil, der aller ...

Am 24.03.2022 fand die Finanzplaner-Tagung im frühlingshaften Zürich mit vielen zufriedenen Teilnehmern statt ...

Mittlerweile sparen sieben von zehn Schweizer Erwerbstätigen mit der Säule 3a. Das sind fast 10% mehr als vor vier Jahren. Sie bewirtschaften ihre Anlagen zudem aktiver und in ...

Um die finanzielle Situation im Alter zu optimieren, ergreifen immer mehr Schweizer Initiative. So werden etwa Einkäufe in die Pensionskasse besser genutzt oder die Sparbeiträ ...

Die Preise für Wohneigentum sind in der Schweiz derart hoch, dass sich die Meisten kein Eigenheim leisten können. Sie wünschen sich deshalb Unterstützung beim Identifizieren v ...

Der UBS-Vorsorgeindex Schweiz ist im zweiten Halbjahr 2021 auf ein sehr niedriges Niveau gesunken. Gründe waren der demografische Wandel sowie die Finanzlage, vor allem in der ...

Year-end statements and tax certificates Liberty Connect is Liberty Pension’s digital client portal. Year-end statements and tax certificates, as well as any other documents g ...

LibertyGreen focuses on direct investments in individual securities, which improves transparency and enables it to offer the lowest fees. Liberty has taken the next step in re ...

Year-end processing - Important dates 2021 is drawing to an end. To make sure you do not miss any important deadlines, we have prepared the following overview:

Liberty Group and Athletes Network will cooperate on pension provision for athletes and sustainability. Sport and Liberty have much in common – returns, risk, and sustainabili ...

Liberty Pension has opened its sixth office in Zurich-Altstetten, opening up the business location of Zurich and the surrounding area with an on-site team of advisors. This en ...

Liberty Connect is the digital client portal of Liberty Pensions. The newly redesigned modern design includes an intuitive user interface, which offers an improved client expe ...

For the fourth consecutive year, Liberty Pension has won a prestigious prize. Liberty 1e FlexInvest Foundation was awarded first prize in the category “1e Foundations (lowest ...

The economic upheaval caused by the pandemic has impacted many companies. Employees are the first to suffer, as they risk losing their jobs. Employers, who do not terminate em ...

We recently informed you that we have extended the functionalities of Liberty Connect by adding the function “e-Documents”. As a result, Liberty Connect clients have immediate ...

For our direct clients, we have developed an investment solution, which invests in low-cost index funds, applied in such a manner, as to ensure that risk and returns will matc ...

Die Liberty Vorsorge AG erzielte 2020 mit ihren Stiftungen ein äusserst erfreuliches Ergebnis. Dies trotz den beträchtlichen Herausforderungen durch die Corona Pandemie. Die G ...

To our esteemed Clients and Partners, We would like to inform you about local and national holidays during 2021. Please note, that our offices at the corresponding locations w ...

BREXIT: cash payments of pension assets   The United Kingdom left the EU on 31 January 2020 and the transitional period expired on 31 December 2020. The Treaty on Free Mo ...

Important information for Liberty Connect clients  To our esteemed Clients As Liberty Connect users, we are pleased to inform you that as of February, all year-end statem ...

Liberty Pension partners with Everon to offer comprehensive digital services   Everon is the first Swiss fintech company to develop an app for comprehensive financia ...

Liberty - New thresholds and ceilings effective 1 January 2021  As of 1 January 2021, the thresholds will be adjusted to reflect current trends in prices and wages. ...

Liberty - New equity quota for Liberty Foundation for Vested Pension Benefits  Earlier this year, the regulatory authority informed Liberty Foundation for Vested Ben ...

Thank you. Danke. Grazie. Merci.  2020 has been, as for most companies, a challenging year. The COVID-19 pandemic has shaken up the economy and presented us with previous ...

Pillar 3a: To enjoy the tax advantages, please make your contributions by the end of December 2020  To enjoy your retirement free of financial worries, our advice is to m ...

Clients, who have the necessary means at their disposal, may make voluntary contributions to their accounts within the 1e Flex Invest Foundation or BVG Collective Foundation t ...

Year-end processing - Important dates  2020 is drawing to an end. To make sure you do not miss any important deadlines, we have prepared the following overview ...

Liberty - The digital journey continues  Would you like to be able to access your Liberty accounts and make changes anytime, anywhere? Then this article will be of p ...

Short interview with Oliver Bienek, Founder & CEO of Liberty Group How has the difficult situation affected your Company? The stock market plunge dragged our revenues ...

Brand new self-onboarding tool for Liberty Vested Benefits Foundation Our new self-onboarding tool is now available to access vested benefits solutions online. Its launching . ...

BVG/LPP-compliant products To our esteemed Clients and Business Partners  The purpose of this letter is to keep you abreast of changes in our investment methods. Hen ...

Safe and secure through the crisis To our esteemed Clients and Business Partners The purpose of this letter is to inform you about the precautionary steps Liberty Pension Ltd ...

Finanz20 will be held in Zurich Oerlikon, on 21 and 22 January 2020. Liberty will participate in the upcoming trade fair and provide answers to questions about pensions and oc ...

Finanz20 will be held in Zurich Oerlikon, on 21 and 22 January 2020. Liberty will participate in the upcoming trade fair and provide answers to questions about pensions and oc ...

Finanz20 will be held in Zurich Oerlikon, on 21 and 22 January 2020. Liberty will participate in the upcoming trade fair and provide answers to questions about pensions and oc ...

Business hours over the holidays: 2019 23.12.: open during normal business hours 24.12.: open from 8 am to ...

The «Financial Report» 2018 has been published on our website www.liberty.ch ...

The «Financial Report» 2018 has been published on our website www.liberty.ch ...

UBS tranche change A2 - A3  Due to higher asset volumes, our UBS AST 2 BVG-40 Passive (hedged in CHF) I-A2 customers were able to switch to the lower-priced A3 tranc ...

The Liberty Group will be the first non-banking organization to migrate to Finnova Banking Software ...

The Sonntagszeitung recently presented its awards for the best Swiss collective foundations for the 14th time. Barbara Bienek, managing director of the Liberty 1e Flex Invest ...

Thirteen years after it was founded, Liberty Group is still recording double digit growth, and continues to systematically invest in digital transformation and new offers. The ...

The "Who’s Who" of finance ... FINANZ '19  Two days - 98 exhibitors - 3100 visitors - 140 speakers - 60 presentations The Swiss financial industry’s most prestigious even ...

Interesting novelties from a number of providers: Helvetia Vorsorgefonds Cost-optimised tranches of institutional investment funds will henceforth be used for the investm ...

Account and deposit statements as of 31.12.2018 for Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings we ...

A number of providers have some interesting news to report: Swiss Life Investment Foundation  Swiss Life Investment Foundation has optimised its range of BVG/LPP-mix ...

Over Christmas and the New Year, our opening hours are as follows ...

Liberty Pension Ltd will again have its own stand at the popular FINANZ '19 financial fair ...

As of 1 January 2019, AHV/IV//AVS/AI pensions will be adjusted to reflect current price and wage trends. On 1 January 2019, mandatory second pillar survivors' and disability p ...

Mike Meier, Group CIO of MCH Group AG, has been elected to the Board of Directors of Liberty Pension Ltd ...

Our selection of BVV2/OPP2-compliant funds has been extended. New securities solutions have been added to our "BVG/LPP Fund Invest" product line. These are presented below ... ...

The Federal Supreme Court recently had to rule on a case where a decedent's survivors received benefits from the AHV/AVS and the BVG/LPP ...

The latest edition of our Financial Report, for the year 2017, is now available online on our website www.liberty-vorsorge.ch ...

For the 13th time, Weibel Hess & Partner conducted a survey of Switzerland's major collective foundations commissioned by the Sonntagszeitung ...

A few statistics quoted recently at an event organised by the VVS, the Swiss pension association, attracted attention: in Switzerland, about CHF 5.1 billion in unclaimed asset ...

The Federal Social Insurance Office (BSV/OFAS) has published a legal opinion on its website which addresses the issue of negative interest on vested benefit accounts: can a ve ...

Liberty Pension is constantly expanding and space was tight in our existing premises ...

Liberty Pensions participated in the financial fair again this year.  The novelty of FINANZ '18 was that, for organisational reasons, it was held in the www.stage-on ...

Liberty Pensions concurs with Dr. Jérôme Cosandey, Head of social policy research with Avenir Suisse, that the market for 1e pension solutions should continue to grow rapidly ...

"Conventional pension administration is a saturated market" The number of occupational benefits institutions in Switzerland is steadily falling. To survive, providers must ada ...

"Conventional pension administration is a saturated market" The number of occupational benefits institutions in Switzerland is steadily falling. To survive, providers must ada ...

Over Christmas and the New Year, our opening hours are as follows ...

AXA Investment Managers The range of funds with a balanced investment strategy has been supplemented with an interesting product: members of 2nd and 3rd pillar benefits&n ...

The Federal Council has decided to leave the minimum interest rate for mandatory occupational pension plans (BVG/LPP) at the existing level of 1% ...

We are now in the last quarter of 2017. From experience, November and December are months with an increased workload ...

In order to enjoy retirement without financial worries, it is advisable to start thinking about a 3a retirement savings plan in good time. The federal retirement plan (AHV/AVS ...

Account-holders with purchase capacity can make voluntary contributions this year as well to take advantage of tax deductions and improve their retirement planning ...

Liberty Vorsorge AG is pleased to announce that it has entered into a new cooperation arrangement with the Swiss subsidiary of the AXA Group. The partnership aims to cooperate ...

Pension actuaries campaigning for changes in AHVG/LAVS bill The bill provides that, for each new member, occupational benefits institutions will have to ask the 2nd pilla ...

Over time, Liberty Pension has established itself as a full-service partner for occupational benefit and individual retirement plans ...

Liberty Pension Ltd., which manages several pension foundations, experienced further growth in the 1st quarter of 2017 ...

The ancient Romans already knew that "Mens sana in corpore sano", and this is truer than ever today: employees who are fit are more productive because a healthy body ...

In the framework of the encouragement of home ownership scheme, pension assets may be withdrawn to finance the purchase of residential property for own use, or to finance the ...

The revised legislation providing for new pension-sharing rules designed inter alia to improve the position of mothers or fathers who forgo gainful employment to stay home and ...

Liberty Pensions has two well-established foundations - Liberty BVG/LPP Collective Foundation and Liberty 1e Flex Invest Foundation - capable of offering customers timely and ...

On 1st and 2nd February, Liberty had the privilege of welcoming many interested customers, professionals and visitors to its stand at the internationally renowned finance fair ...

The Federal Council decided  to lower the BVG/LPP minimum interest rate to 1.00% effective 1 January 2017. This on ground of the low interest-rate environment and the wea ...

On 1 and 2 February 2017, Finanz '17, a financial trade fair for professional investors and interested individuals, will be held in the Zurich Kongresshaus ...

The account and deposit statements for the customers of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings will be sent by A-post ...

Liberty's first client event, held on 23.09.2016 in Pfäffikon SZ, set yet another milestone in Liberty's comparatively young history ...

The account and deposit statements as at 31.12.2016 for the clients of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings will be ...

Liberty Pension business hours over the Christmas and New Year bank holidays  23.12. ...

We are pleased to inform you that the new name of Liberty Flex Invest Foundation has been recorded in the commercial register and that the Foundation shall henceforth sign as ...

The end of the year is approaching quickly. From experience, November and December are months with a heavy workload ...

Clients who have invested through Liberty Foundation for Vested Pension Benefits, Liberty Foundation for 3a Retirement Savings and Liberty 1e Flex Invest Foundation in securit ...

Valiant Vario, (security No 113932153) the investment product of Valiant Bank available to the clients of Liberty Foundation for Vested Benefits and Liberty Foundation for 3a ...

A recent survey commissioned by the Zurich banking association from the ZHAW (Zurich University of Applied Science) shows that about two-fifths of Swiss-Germans do not concern ...

Would you like to know how much withholding tax you would have to pay if you leave the country and cash in your pension assets ...

Our successful and meanwhile well-established fund comparison platform, Compare Invest, has signed up a first-class new recruit ...

In 2015, Liberty Pensions further consolidated its position as a leading independent provider of pension solutions for the Swiss market. With as many as 11,000 account-holders ...

At the beginning of the year, together with their account and securities deposit statements as at 31.12.2015, we sent account-holders information about an additional Liberty i ...

Our business hours over Christmas and New Year are as follows ...

The account and deposit statements for the clients of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings will ...

Persons employed by a Swiss company are required by law to contribute to an occupational benefits institution (pension plan), as are their employers. In the Swiss pension syst ...

To enjoy your retirement free of financial worries, you should start thinking early about a 3a retirement savings plan. The federal retirement plan (AHV/AVS) and an ordinary p ...

The end of the year is approaching quickly. From experience, we know that November and December are months with an increased workload ...

The parliamentary initiative filed by National Councillor Roland Fischer (Green-Liberal, Canton Lucerne) sought to achieve "fair taxation of vested termination benef ...

Various occupational benefits institutions, Liberty among them, used to be able to transfer pension savings put aside in the UK to Switzerland easily and without complications ...

Recently, changes and something new were announced for the following investment groups ...

As Liberty Pensions' new distribution partner, Banque du Léman offers private clients in the "Rhône-Alpes" region attractive and comprehensive solutions for their vested termi ...

Dear Sir or Madam, Due to an internal event, our headquarters' offices in Schwyz will be closed on Friday, 11.09.2015, from 12:00 AM ...

Changes have recently been made in the following investment groups ...

Pursuant to Article 5(1)(b) of the Federal Law on Vesting in Pension Plans (FZG/LFLP), members may apply to withdraw their termination benefit in cash if they satisfy both of ...

Liberty Pensions and its consultants are receiving a growing number of inquiries concerning the proper procedure in terms of occupational benefits when moving from Liechtenste ...

Liberty Vorsorge ist im Bereich der obligatorischen und ausserobligatorischen Vorsorge exklusive Partnerin  des neu gegründeten Schweizer Unternehmerverbands. Dieser ...

Liberty Vorsorge AG, the leading Swiss provider of occupational benefit and tied pension plan services has outsourced its entire ICT infrastructure to Econis AG. As a result, ...

Liberty co-founder and long-standing member of the Board of Directors and Chairman of the Boards of Trustees has died. Gilbert Weber passed away on Sunday, 28 December 2014, a ...

The account and deposit statements for the clients of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings will ...

In 2014 which has just been completed, Liberty Pension has continued its success story and achieved above-average growth ...

In 2014 which has just been completed, Liberty Pension has continued its success story and achieved above-average growth ...

Following currently applicable investment guidelines and regulations, mixed assets such as CSA Mixta BVG Basic I, securities no. 1503660, are allowed to hold real estate inves ...

Swisscanto Anlagestiftung has recently extended its product range with the introduction of R-Tranches. The uniform solutions offered by Liberty Foundation for Vested Pension B ...

Liberty Pensions has grown steadily since it was established and now has a total of CHF 1.2 billion in pension assets on its books. To pay due account to such growth, we are m ...

Liberty Pensions is pleased to announce that it has entered into a cooperation arrangement with Albin Kistler AG offering a selection of first class investment fund and asset ...

Our QROPS service which enables holders of UK pension assets to transfer their pension assets reliably and securely to Switzerland continues to be popular with our clients&nbs ...

In its recently published communication No 136, the Federal Social Insurance Office (BSV/OFAS) discussed the partial transfer of 3a retirement savings into the occupational be ...

Liberty Pension Ltd. has made major advances in its development. The new BVV2/OPP2 regulations (structural reform) have made the Company stronger, serving as a springboard for ...

At the wish of many of our clients and partners, we have extended our range of products and services. We are pleased to announce our latest innovation ...

Long-standing clients and regular users of our website have certainly already noticed: both our website and our printed materials like forms and letterheads, brochures and reg ...

Comparing the pillar 3a solutions of various providers, one is often negatively struck by the fees charged for the custody and purchase and sale of securities ...

Prof. Dr. Dr. Christian Wunderlin has been elected President of the Board of Directors of Liberty Pension Ltd in Schwyz ...

This year’s edition of the Conference of the FinanzPlaner Verband Schweiz FPVS was held on 25 March 2014 at the customary Zürichberg location with its wonderful view and excel ...

The encouragement of home ownership system is designed to allow members of occupational benefit institutions to use their pension assets to finance the acquisition of a reside ...

Liberty’s new corporate design is fresh and independent, the pictorial expression of its commitment to Schwyz, its chosen location. Its catchy slogan “The independent pension ...

Would you like to know how much withholding tax you would have to pay if you left the country and cashed in your pension assets ...

Allianz Suisse Lebensversicherungs-Gesellschaft AG and Liberty Foundation for 3a Retirement Savings already have an established co-operation for the management of pillar 3a pe ...

You can consult the key occupational benefits figures, effective 1 January 2014 here ...

Clients who invested their pension assets in securities in 2013 again had good reason for satisfaction ...

The account and deposit statements for the clients of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Savings will ...

We are pleased to inform you that the Boards of Trustees of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Benefits have been enlarged ...

We are pleased to inform you that the Boards of Trustees of Liberty Foundation for Vested Pension Benefits and Liberty Foundation for 3a Retirement Benefits have been enlarged ...

The Federal Court was recently asked to rule on a case where a member of a pension fund applied to withdraw his pension assets in cash because he was becoming self-employed&nb ...

An ageing population is not just a problem for the financing of retirement pensions; it constitutes a major challenge in terms of elderly care. Fewer and fewer care-givers hav ...

Liberty Pensions and Unirisc SA have joined forces for the distribution of individual private and occupational benefits solutions in the French-speaking part of Switzerland&nb ...

According to the Federal Social Insurance Office (BSV/OFAS), on 1 January 2014, survivor and disability pensions under basic BVG/LPP coverage do not have to be adjus ...

For a number of years, Liberty Pensions has been offering several attractive Zürich Anlagestiftung products for 2nd and 3rd pillar investments ...

The end of 2013 is approaching fast. A good time to think about your retirement plans ...

Liberty Pensions lives with the times and now offers clients, consultants and other interested parties the possibility of receiving the latest news about ...

According to the Federal Council, deficiencies in the pension compensation rules for divorce will soon be eliminated. The corresponding Message on the amendment of the Civil C ...

The Federal Commission for occupational benefits (BVG/LPP Commission) has recommended that the Federal Council increase the minimum interest rate from the current rate of 1.50 ...

A few weeks ago, Liberty Pension was pleased to welcome a new employee, Jean-Marc Ney. He will be representing Liberty Pension in the French-speaking part of Switzerland  ...

Co-ordination deduction, BVG/LPP interest, conversion rate – for people not dealing with pension benefits on a daily basis, these terms are more confusing than intelligible&nb ...

If an account holder satisfies the relevant requirements and wishes to make a cash withdrawal (at an earlier date), Liberty Foundation is required to proceed with all due care ...

Holders of a Liberty 3a retirement savings account can continue to pay contributions and benefit from pillar 3a tax advantages until they cease gainful employment ...

The last revision of the Federal Law on Occupational Retirement, Survivors’ and Disability Pension Plans (BVG/LPP) adopted by the Swiss Parliament in the framework of the “str ...

Our popular withholding-tax calculator, updated with 2013 figures, is now at your disposal at our website  ...

A few changes in key limits and rates for private and occupational benefits will become effective on 1 January 2013  ...

Our range of funds continues to expand: a new selection of BVG/LPP-compliant investment fund solutions of the Bâloise Group are now immediately available to our clients&n ...

In its recent Decision of 30 October 2012, the Federal Supreme Court ruled that, when recourse is made to investment funds and structured products in the context of asset ...

Where pension holders are entitled to choose their own investment strategy, pension funds should not be required to transfer the minimum benefits guaranteed by virtue of the F ...

Would you like to know how much withholding tax would be deducted from your pension assets if cash them in when you move abroad  ...

All end-of-year statements and documents, including statements of account and securities deposit as well as the ...

Liberty has acquired a new banking partner in Bank Vontobel, the renowned Zurich-based private bank ...

Effective 1 January 2012, pension assets will earn interest at a minimum rate of 1.5% p.a. That is 0.5% less than the year before. The basis is the long-term average return on ...

Indirect real estate investments are currently very popular. They benefit from the current financial and capital market turmoil. But in the long term, they are not dissociated ...

The Christmas decorations in shop windows remind us that the end of the year is near! By contributing to your 3rd pillar, you are not only saving for your retirement, you are ...

Die Schweiz ist ein Land der KMU. Die meisten beschäftigen nur wenige Mitarbeitende. Wer aber zu klein für eine eigene PK ist, muss einer Versicherung oder einer Sammelstiftun ...

Liberty hat auch eine Alternative zu unternehmenseigenen Kaderlösungen geschaffen. Unternehmen können ihr Lohnmodell damit vorteilhaft gestalten und ihren Angestellten weiterr ...

Seit 1. September 2011 gelten neue Bestimmungen über die Sicherung von Bankeinlagen. Die Bestimmungen betreffen auch Säule 3a- und Freizügigkeitsgelder. Die bisherigen Bestimm ...

The Liberty foundations  recorded highly satisfactory growth both in the number of clients and in the volume of pension assets in the first six months of the year. This c ...

Liberty Foundation for Vested Pension Benefits supports asset managers licensed by FINMA in the management of their clients' pension assets. The updated user-friendly Direct I ...

Since the beginning of the year, two new BVG/LPP regulations designed to grant older employees greater flexibility in preparing their retirement have come into effect. Those r ...

Low interest rates and rekindled immigration drive the demand for housing. Residential property prices continue to climb. Only time will tell if this trend is sustainable.&nbs ...

Because of international legal developments, a simplified prospectus will also be formalised in Switzerland for certain types of securities. The Federal Council has amended th ...

The new pension plan rules and regulations have now been set: in addition to tighter oversight, the rules provide for improved governance and transparency and more autonomy fo ...

Find the right BVG/LPP-compliant fund for your vested benefit or 3a retirement savings investment profile quickly and easily through the Liberty pension portal thanks to Compa ...

Wohlhabende Menschen sind weniger stark auf die staatlichen und garantierten Leistungen von Vorsorgeeinrichtungen angewiesen. Auch sie benötigen im Alter aber freies Kapital. ...

Die Schuldenkrise in Europa spitzt sich zu. Die Zahl der Länder, die sich am finanziellen Abgrund bewegen, wird immer grösser. Der Euro testet wöchentlich neue Tiefstmarken un ...

Das Schweizer Wirtschaftswachstum ist im ersten Quartal wieder abgeflaut. Auch für April zeigt das KOF-Konjunkturbarometer keine positive Veränderung. Marktbeobachter glauben, ...

Die Delegiertenversammlung der FDP hat eine Resolution beschlossen, womit sie Reformen und die Sanierung der Schweizer Sozialwerke fordert. Rentenalter und –Höhe sollen flexib ...

In collaboration with FICON Finanz Consulting AG, Liberty Pensions is introducing a unique new securities solution for the second and third pillars: a first on the Swiss marke ...

The Federal Social Insurance Office (BSV/OFAS) is holding out the prospect of significant changes in the ordinances on structural pension plan reform. A legal basis should als ...

According to Credit Suisse, the Swiss pension fund index rose by 0.83% in the first quarter of 2011.  That corresponds to an annualized return of 2.10%. CS considers thes ...

The Swisscanto Pension Funds Monitor shows that the funded status of Swiss pension institutions remained stable in the first quarter of 2011. Private-law pension funds fared b ...

People who buy a house want their own home, but they also want to make a good investment. In the latest issue of Immo-Monitoring, Wüest & Partner examine whether buying a ...

Sozialminister Didier Burkhalter nimmt einen neuen Anlauf, um den Mindestumwandlungssatz trotz gescheiterter Abstimmung 2010 doch noch zu senken. Erste Pensionskassen haben di ...

After giving up permanent employment and becoming self-employed, a pension fund member cashed in his pension benefits. Simultaneously, he relocated to another canton; this cau ...

The numerous economic forecasts published by specialist sources anticipate growth rates ranging from 1.9% to 2.8% for Switzerland in 2011. Seco (the State Secretariat for Econ ...

Before going into retirement, you have to choose between a lifelong pension or cashing in your pension plan in the form of a lump-sum capital. The pros and cons must be carefu ...

Tax privileged retirement saving is very popular. Persons saving for their retirement will not have any greater tax benefits in the future than they already have now. But reti ...

The ordinances for the implementation of the structural pension plan reform are in the consultation process. The reform is designed to improve BVG/LPP governance and transpare ...

In 2010, the EU introduced new social security legislation. The new regulations are designed to guarantee benefit claims and social security within the EU for persons moving f ...

Clients who have worked in Switzerland and are moving to Germany may cash in the supplemental portion of their pension benefits, or they may transfer their entire pension plan ...

All four of Liberty Pension's foundations have registered significant growth this year again both in terms of number of clients and pension assets. Apart from the online innov ...

The time limit for filing positions on the proposed amendments to the pension plan ordinances (BVV1/OPP1 and BVV2/OPP2) and the ordinance on investment funds (ASV/OFP) expired ...

People who want to buy their own home often have to rely on their pension assets to do so. To minimise risks and costs, a pledge may be better than a withdrawal ...

Swiss pension funds realised a performance of 3.7% on the overall portfolio in 2010. In the second half of the year, performance averaged 3.5%. Currency management was decisiv ...

Real estate experts have estimated profitability prospects for European real estate in 2011. Zurich is in the upper mid-field both for existing real estate and for new acquisi ...

Since the beginning of the year, members of BVG/LPP pension plans can reduce their working hours before reaching normal retirement age or they can continue working beyond the ...

Setting a different regulatory retirement age for men and women violates the principle of equal treatment and non discrimination. That was the ground given by the Bernese gove ...

According to a recent ruling of the Federal Court (BGE 9C_526/2010), pension funds are entitled to demand repayment of withdrawals made in connection with the encouragement of ...

A majority of Swiss pension plan actuaries are in favour of an actuarial discount rate which, in the long term, is lower than the expected rate of return. Professional guideli ...

In the first and second pillars, the authorised limits have changed effective 1 January 2011. The following overview shows the effects of the new limits on third pillar refere ...

Home prices should continue to rise this year. The main reasons are the robust property market drivers. UBS does not expect even overheated price regions to return to normalcy ...

The financial situation of Swiss pension funds has not improved in the fourth quarter of 2010. Funded status stagnated at the same level as the year before. Conversely to priv ...

In 2010, Swiss pension funds attained an annual return of 2.68%, slightly higher than the BVG/LPP minimum interest rate. Larger pension funds performed better on average than ...

According to a report of the Allianz Group, the baby boomer generation is facing a major retirement income challenge. The trend is already shifting towards private pension pla ...

According to a report of the Allianz Group, the baby boomer generation is facing a major retirement income challenge. The trend is already shifting towards private pension pla ...

Demand for residential property in Switzerland is expected to continue rising in 2011. As for commercial real estate, supply is expected to continue exceeding demand. Accordin ...

The interest rate on 10-year US Treasury bonds rose significantly in December. The market for government bonds of major industrial nations followed suit. Observers expect stab ...

With a tied pillar 3a account, you can provide for retirement while saving taxes. The third pillar is also ideal when starting your own business or moving abroad. Now you can ...

National regulatory authorities in the individual EU member states are henceforth subject to quality control by a central EU regulatory authority. Regulation and asset managem ...

Research shows that the 1st BVG/LPP revision of 2005 improved coverage for only one-third of new entrants. Two-thirds did not benefit from the improvements ...

After the Swiss National Bank's repeated warnings against overheating the real estate market, experts now believe Swiss investors are not at risk. No real estate bubble is exp ...

A survey shows that over 60% of the population contributes to private pillar 3a savings plans. As many as 25% are convinced that they will not receive a pension from the AHV/A ...

If you are planning to take an advanced training course, start your own business or move permanently abroad, you can open a vested benefit account with Liberty Pensions quickl ...

Pension plan legislation prohibits capital withdrawals of BVG/LPP purchases in the three years after a purchase was made. The Federal Supreme Tribunal has now confirmed this r ...

The Credit Suisse Swiss pension fund index shows positive investment results for the 3rd quarter of 2010. However, performance still falls short of the minimum BVG/LPP interes ...

Employees who decide to reduce their workload before they reach normal retirement age or who decide to continue working after reaching normal retirement age may maintain their ...

On 1 October, the Federal Council decided to leave the minimum BVG/LPP interest rate at 2% in 2011. The long-term average yield of certain securities was decisive in determini ...

Liberty Pensions has made a number of organisational changes in response to the strong growth in its client base and entrusted pension assets. Staff has been increased and new ...

On 14 September 2005, Liberty Foundation for Vested Pension Benefits was the first of Liberty Pension's four foundations to be listed with the commercial register of Canton Sc ...

Liberty Pensions offers its clients a broad range of investment options at attractive terms and conditions. Thanks to its distinctive features, Liberty is unique on the Swiss ...

To better serve our clients, not just in Schwyz but throughout the German and French-speaking parts of the country, Liberty has established regional representative offices. In ...

Liberty's modular pension platform and innovative and flexible pension plan solutions are highly appealing to clients. Strong growth is expected ...

Liberty's modular pension platform and innovative and flexible pension plan solutions are highly appealing to clients. Strong growth is expected ...

In mid-September, the Federal Council decided to allow vested benefits institutions more freedom in investing vested pension assets. But some obstacles remain ...

From 2012, pension institutions will be placed under the direct oversight of the competent regional regulatory authority. Parliament passed this reform of the second pillar in ...

From 2012, pension institutions will be placed under the direct oversight of the competent regional regulatory authority. Parliament passed this reform of the second pillar in ...

Liberty and the Aquila Group have decided to work collaboratively to offer you even more vested benefits and retirement saving investment options in the future. The Aquila Gro ...

Do you wish to improve your managerial compensation model and maximise your occupational benefits and tax options? Are you sceptical of pension funds which manage pension asse ...

On 7 March this year, an overwhelming majority (72.7%) of the Swiss people voted against lowering the minimum BVG/LPP conversion rate from 6.8% to 6.4% ...

On 7 March this year, an overwhelming majority (72.7%) of the Swiss people voted against lowering the minimum BVG/LPP conversion rate from 6.8% to 6.4% ...

Last March, the Federal Social Insurance Office (BSV/OFAS) consulted all interested circles on the planned revision of the Ordinance on Vesting in Pension Plans, asking them t ...

According to a report of the Allianz Group, the baby boomer generation is facing a major retirement income challenge. The trend is already shifting towards private pension pla ...

Over the past few months, we have again added new banks to our list of custodian bank partners. In addition to the private banks Lienhardt & Partner and Julius Bär, you ma ...

In view of the growing demand, we have decided to supplement our existing vested benefit and 3a retirement savings foundations with a conventional BVG/LPP collective foundatio ...

Since 1 August 2009, Liberty and Bank Julius Bär have established a cooperative venture for 3rd pillar pension assets ...

Account openings and contribution payments for 2009 will be processed until 31 December 2009 provided your bank executes your transfers punctually ...

We have on several occasions informed our readers about the unsatisfactory new investment guidelines applying to vested benefits foundations ...

Liberty Foundation for Vested Pension Benefits now offers an even wider choice of partners ...

The new forms and regulations for Liberty Foundation for Vested Pension Benefits ...

From 1 January 2010, pension funds can no longer oblige older employees to withdraw their retirement benefits (as a lump-sum or an annuity) when they wish to continue being ga ...

Given the low interest rate level in Switzerland, the interest rate on vested benefit accounts was reduced from 2.3% p.a. to 2% p.a. effective on 1 April 2009 ...

On 1 January 2009, the Federal Council enacted a new ordinance with a transitional period of just 2 years. The Ordinance stipulates in particular that, henceforth, securities ...

In March 2009, we introduced a new online subscription system for the Newsletter on our website. Clients, partners and other interested persons can now easily register online ...

"TreStar" (3a pillar) is now also available in the French-speaking area ...

The Foundation Board of Liberty 3a Retirement Savings Foundation and Lienhardt & Partner Zürich Privatbank AG recently decided to leave the interest rate unchanged at 3% p ...

The Federal Council has set the maximum limits for 2009 3a pillar contributions. Individuals with a pension fund ...

The Foundation Board of Liberty Foundation for Vested Pension Benefits recently decided to leave the interest rate unchanged at 2.3% p.a. until further notice ...

Contributions can be paid into Liberty 3a Retirement Savings until 23 December at the latest ...

On 15 October 2008, the Federal Council, the Swiss National Bank (SNB) and the Swiss Federal Banking Commission (SFBC) decided on a package of measures to stabilise the Swiss ...

Wichtige Informationen von unseren drei Kontobanken ...

Visit the internet platform of Liberty Vested Pension Benefits Foundation for online information about the withdrawal of your pension assets when you leave Switzerland definit ...

Liberty supports benefits consultants and financial planners who advise or manage third-party pension assets professionally, providing central administration (back-office) and ...

Liberty 3a Retirement Savings Foundation and Lienhardt & Partner Privatbank Zurich AG have devised and launched a modern 3a pillar benefits solution under the name TreStar ...

Die Liberty Freizügigkeitsstiftung bleibt auch künftig in der «Poleposition» mit der Verzinsung ihrer Freizügigkeitskonten ...

Die Liberty Freizügigkeitsstiftung setzt neue Massstäbe in der Verzinsung ihrer Freizügigkeitskonten ...

Mit der neuen Freizügigkeitslösung PreStar leitet die Lienhardt & Partner Privatbank Zürich AG in Zusammenarbeit mit der Liberty Freizügigkeitsstiftung in Schwyz ...