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

Your AHV/AVS pension and your pension fund benefits will barely enable you to maintain your standard of living once you retire. If you are at the start of your career, you are likely to draw less than half of your last earnings after retirement. To have sufficient income for your retirement years, you should invest in a private retirement savings plan – the third pillar. At the same time, you make immediate tax savings on the amounts invested. Are you committed to preserving the environment? Through LibertyGreen you invest in a portfolio of individual companies that are guided by responsible ecological, social, and ethical standards. You invest in the future from your first franc, at unrivalled conditions and without fund management fees .

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

Take advantage of Liberty Investment Foundation's opportunities to generate more returns in the current low-interest environment with investments in mortgages. These mortgages are secured by real estate collateral, and therefore offer a high level of security. Liberty Investment Foundation was established as an independent foundation in 2018 and is open to occupational benefits institutions and other tax-exempt occupational benefits institutions, as well as 3rd pillar retirement savings institutions. The purpose of Liberty Investment Foundation is to grant investors access to mortgage investments at an unbeatable price. It aims to achieve net returns exceeding the market average, while preserving high quality standards in security for the investors. This favourable pricing structure is achieved by a low-cost investment foundation and a high level of digitisation. Liberty Investment Foundation is subject to the oversight of the independent regulatory commission for occupational benefits (OAK BV) in Bern. KPMG is the designated auditor.

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