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. Moreover, the investment funds sold are often those offering the highest kickbacks - which is not necessarily a sign of quality or of the potential for appreciation. Investors would be well-advised to check carefully.

From the outset, Liberty adopted a policy of maximum transparency: "Hidden" costs do not exist in the "BVG/LPP Fund Invest" solution offered by Liberty Foundation for 3a Retirement Savings. Thanks to the special terms negotiated with our partner banks, we can offer clients market-conform conditions in line with our forward-looking business philosophy.

What is more, most of the investment products offered are institutional tranches which are free from kickbacks. And whenever retrocessions are paid, they are automatically passed on to the account-holder. Institutional tranches tend to be less expensive than retail tranches and are normally reserved for institutional investors such as pension funds or the managers of collective investment funds.

Clients of Liberty Foundation for 3a Retirement Savings can choose from about 40 investment solutions encompassing the investment foundations of renowned banks such as Credit Suisse, Pictet, Sarasin and UBS, and those of major insurance companies such as Swiss Life, Zurich, Bâloise and Winterthur. The complete selection can be consulted, free of charge and without obligation, and individually compared at www.compare-invest.ch/3a

You can open your personal 3a account with the corresponding securities solution online here. Simultaneously, you can easily arrange to have your 3a funds (for example with Swisscanto) transferred to us directly without having to sell them first.