Liberty offers persons who are planning to leave Switzerland permanently and who hold a Liberty 3a retirement savings account (3rd pillar) efficient service in a tax-friendly environment at favourable terms.

Efficient, because all our account opening, transfer and pay-out processes for 3a pension assets are standardised, automated and online.

Tax friendly, because your 3a retirement savings will be taxed at a special rate when you cash them in. Clients who can show that they have permanently given up their residence in Switzerland are only subject to withholding tax. The withholding tax rate depends on where the Foundation holding the pension assets has its registered office.  Liberty Foundation for 3a Retirement Savings has its registered office in Schwyz, which has the lowest withholding tax rate in Switzerland.

Favourable terms, because the opening and keeping of a conventional interest-bearing 3a retirement savings account on our books is free of charge.

Given the tax-friendly environment in Schwyz, Liberty Foundation’s terms and conditions are favourable in many cases.

Liberty offers an online program to calculate your potential savings using the indications contained in your account statement.

Withholding tax calculator