Your AHV/AVS pension in addition to your occupational pension benefits are unlikely to enable you to maintain your customary standard of living after retirement. Our pillar 3a solutions offer immediate advantages, without having to wait until later. There are several reasons why a Liberty 3a retirement savings solution in the form of a fixed-rate account or a securities deposit may be of interest to you: • you require a high level of security • you are looking to save for retirement while optimising taxation • you wish to invest in securities at a low cost • you are planning on leaving Switzerland permanently • you are becoming self-employed

Have you established your own business as a sole proprietorship or a general and limited partnership? Or are you employed by your own joint stock or limited liability company? Liberty has the right pension solution for you. Advantages of joining Liberty 1e Flex Invest Foundation: • Flexible individual and tailor-made solutions • Attractive premiums • Association solutions for self-employed persons (AHV) • Individual investment solutions with up to 80% equities exposure • Multilingual German - English - French - Italian • Online access with liberty Connect

For self-employed persons, their core business is central. However, the legislator requires them to provide an occupational plan - for themselves, as well as their employees. There are several things to consider. The advantages of joining Liberty BVG Collective Foundation: • No minimum premium • Flexible plans • Attractive premiums • Association solutions for self-employed persons (AHV) • Multilingual German - English - French - Italian

Whether you are taking a break from work, relocating abroad, or starting your own business – you want to invest your retirement savings well. Depending on your preference, you can opt for a vested benefits solution with a high level of security, or one with higher potential returns. You can open a vested benefit account with Liberty free of charge if you are: • Relocating abroad • Becoming self-employed • Unemployed • On parental leave • Divorcing • Furthering your education • Looking to invest your pension assets with a high level of security.