In this context, Liberty works with well-established Swiss banks, asset managers, consultants, brokers, and chartered accountants. With its excellent retirement platform, Liberty also caters to small and medium-sized third-party foundations.
The idea of establishing Switzerland’s first independent open e-pension platform became reality in 2001. The objective was to bring various providers, banks, asset managers and reinsurers together on a single platform. That would allow Liberty’s clients to obtain all their services from a single source. From the outset, Liberty’s founders steered a course of innovation, quality, and preservation of the company’s independence. Today still, Liberty’s corporate culture is characterised by innovative capacity, willingness to perform, reliability, loyalty, and a strong client orientation.
Liberty is now a leading, well-established company with robust growth and a sound reputation. Pension assets increased five-fold between CD_J_Portrait_Vorsorgeguthaben_zwischen and CD_J_Portrait_Vorsorgeguthaben_bis. The number of accountholders increased more than four-fold. As did the number of products offered. Liberty’s success story is reflected in its clients’ trust. In CD_J_Portrait_zaehlte_Unternehmen, the company had about CD_J_Portrait_angeschl_AG_2011 affiliated employers; today it has nearly ten times that number. It also has more locations: apart from its headquarters in Schwyz, Liberty has offices in Zurich (ZH), Versoix (GE) and Lugano (TI).
In Switzerland, analogue processes still dominate the pension market. Liberty aims to continue growing the platform with modern and attractive functionalities, implementing new and innovative ideas, and building the business into a low-cost scalable e-platform for the Swiss pension market.
Established in 2021, LibertyGreen is a new sustainable pension product. Liberty has thus created added value for individual accountholders, society, and the environment. The green pillar 3a invests with a special focus on environmental, social, and governance values. Many studies show that sustainable investments produce higher returns over the long term. Investors in LibertyGreen benefit twice – a strong 3a investment solution for when they retire, and a good conscience today.
The idea of establishing Switzerland’s first independent open e-pension platform became reality in 2005. The objective was to bring various providers, banks, asset managers and reinsurers together on a single platform. That would allow Liberty’s clients to obtain all their services from a single source. From the outset, Liberty’s founders steered a course of innovation, quality, and preservation of the company’s independence. Today still, Liberty’s corporate culture is characterised by innovative capacity, willingness to perform, reliability, loyalty, and a strong client orientation.
Liberty is now a leading, well-established company with robust growth and a sound reputation. Pension assets increased five-fold between 2011 and 2020. The number of accountholders increased more than four-fold. As did the number of products offered. Liberty’s success story is reflected in its clients’ trust. In 2011, the company had about 80 affiliated employers; today it has nearly ten times that number. It also has more locations: apart from its headquarters in Schwyz, Liberty has offices in Zurich (ZH), Versoix (GE) and Lugano (TI).
In Switzerland, analogue processes still dominate the retirement market. Liberty aims to continue growing the platform with modern and attractive functionalities, implementing new and innovative ideas, and building the business into a low-cost scalable e-platform for the Swiss retirement market.
Established in 2021, LibertyGreen is a new sustainable pension product. Liberty has thus created added value for individual accountholders, society, and the environment. The green pillar 3a invests with a special focus on environmental, social, and governance values. Many studies show that sustainable investments produce higher returns over the long term. Investors in LibertyGreen benefit twice – a strong 3a investment solution for when they retire, and a good conscience today.
Liberty is not bound to any individual product or provider and its offer is not limited to its own investments. We have no sales targets or other conflicts of interest liable to restrict you in your choice of investment strategies and products. As a result, you are completely free to choose the best solution in tune with your own personal circumstances.
Read more hereWe are proud of our independence: it leaves us free to choose which banks, asset managers, fund providers and collective investment foundations we work with. As a result, we can offer our clients and sales partners the best possible solutions.
Liberty Pension is the first Swiss portal for occupational benefits and tied retirement savings with access to more than 280 investment products for occupational benefit and tied private retirement savings plans. This vast spectrum is unrestrictedly available to you. Our Best-in-Class selection is also clear and simple.
Our vested benefits platform is free from retrocessions and kick-backs; this consolidates our independence and avoids conflicts of interest. If any retrocessions do flow back to the Foundation, we pass them on to our accountholders, in other words, to you!
Independence is firmly rooted in Liberty’s corporate culture. You will see this when you work with our staff.
We see ourselves as a modern technology company in the pension industry with strong consulting expertise and a service-oriented mentality. Our e-platform brings together the best of three worlds: a strong business-to-consumer (B2C) approach with comprehensive digital and personal consulting; an effective business-to-business (B2B) platform based in future on artificial intelligence; and a holistic online portal.
Read more hereTrust, flexibility, and openness are the foundation of a good innovation culture. We incorporate these values. We have been active on the Swiss pensions market from the outset, presenting our ideas and innovative solutions: we were the first and only provider in Switzerland to focus consistently on an open architecture e-platform. The platform groups various pension, investment, and risk insurance offers under a single umbrella, and is aimed at companies and individuals, as well as private banks, asset managers, consultants, brokers and tax advisors. Even regional banks and savings and loan societies with existing portfolios, FinTechs, or small and medium-sized second and third-pillar occupational benefits institutions can join and take advantage of Liberty’s power of innovation.
We have regularly demonstrated our innovative capacity. Thanks to:
Our clients trust us and benefit from our investment in the future.
For most people, pension capital is their biggest asset. They want to invest it profitably, but securely. Security in this context means institutional security, like the depositor protection granted in the event of bank bankruptcy. But security also means internal controlling systems, and external information and communication technology.
Read more hereLiberty is a reliable pensions partner – client funds are in safe hands. Client funds are invested with one or more banks or investment foundations. Strict controls and due diligence requirements in the acceptance, management, and transfer of client assets contribute to high quality standards and prevent possible misuse. The Liberty foundations are audited once a year by an independent auditing firm accredited with the regulatory authorities. The auditor is subject to supervision by Zentralschweizer BVG- und Stiftungsaufsicht, Lucerne. Liberty maintains a regular dialogue with its main partner banks with regard to their equity ratios and to ensure that the reliability of time-tested processes is periodically verified.
Deposits on vested benefit and pillar 3a accounts are covered by Swiss depositor protection. This means that deposits held with the Swiss office of a bank are covered by the depositor protection in the event the bank goes bankrupt. Up to CHF 100,000 per accountholder is guaranteed under such protection. Our clients and their deposits enjoy preferred ranking as privileged deposits within the meaning of Article 37a(1) of the Federal Banking Act (BankG/LB). This status does not apply to investments in securities such as mutual funds. These qualify as special assets and do not flow into the bankruptcy estate.
Thanks to the broad range of investment solutions offered by renowned banks, asset managers and product providers, our clients can achieve excellent diversification and significantly reduce any counterparty risks.
To comply with the high security and compliance requirements, Liberty has implemented a quality and process management system with built-in controls (IKS) and stricter controls for high-risk business transactions. This is designed to avoid undesirable transactions and minimise business risks.
We have outsourced our entire ICT infrastructure (Information & Communications) to Econis AG. Econis is one of the leading providers of IT services in Switzerland. As part of this arrangement, we use various services managed by Econis on their secure service platform, such as the applications and terminal server, Windows 10 Clients, and email and security services.
Econis automatedly configures and monitors Liberty’s ICT infrastructure and operates a closed data network. Data storage and all other services are provided in two geographically separate data centres in Switzerland, around the clock, Swissness guaranteed. Both data centres satisfy the Federal Banking Commission’s high technical and security standards for financial service providers and IT security outsourcing requirements (99/2).
In 2021, Liberty Pension Ltd created LibertyGreen, the first sustainable 3a retirement savings foundation in Switzerland with an investment portfolio comprised only of companies meeting responsible environmental, social and governance standards. This allows investors to contribute to preserving a sustainable environment.
Read more hereStock investments are carefully selected in a standardised investment process. The focus is specifically on sustainability; several criteria are applied to ensure that even higher expectations are met in terms of security and returns.
The validation process includes negative screening with values- and ethics-based approaches, and a standards-based method involving at least three different criteria. If a prospective investment does not meet the criteria (negative screening), it is rejected. The same applies if the CO2 emissions cap is exceeded – accordingly, entire economic sectors are excluded from the LibertyGreen portfolio.
Conversely, the positive screening process identifies companies with positive ratings in terms of ESG performance. An A rating is the minimum threshold for LibertyGreen. Moreover, a company must have adequate market capitalisation to ensure that its securities are readily marketable.
Thus, thanks to LibertyGreen, holders of a 3a retirement savings plan can realise financial gains and invest with a good conscience in a better future.
Sport and Liberty have much in common – results, risk, and sustainability play an important role for both. And these same factors are decisive in successfully structuring your future.
Read more hereSport and Liberty have much in common – results, risk, and sustainability play an important role for both. And these same factors are decisive in successfully structuring your future.
Liberty is convinced that athletes have the right mindset to be successful even after the end of their sports career.
Liberty Group and Athletes Network, a group recently created by former national football team player Beni Huggel, are jointly committed to pension provision for athletes, and to sustainability.