Pillar 3
on solid ground.

ETF- and fund-linked pension. Tax-efficient, managed in the app, personally guided.

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Swiss Pillar 3a pension provision with the App & Customer Portal from Liechtenstein Life
131'220active policies
CHF 1.49 bnassets under management
183funds & ETFs

Your pension, in your hands.

On your phone or in your browser. Reach the customer portal however suits you.

See how your policy is performing at any moment. Current value, return and history since you started. Clear and transparent.

Performance view in the Liechtenstein Life app
Explore the app & customer portal

What makes us different.

Capital investment, optional risk protection and a secure financial centre. Plus a mobile app that makes contact with your intermediary easier, not harder to find.

Young woman with a volleyball on a sports court — symbolising active, self-determined pension provision
Open fund selection.Up to 183 funds and ETFs from providers such as iShares, Vanguard, UBS or Pictet, matched to your risk profile. Switch funds up to twelve times a year, free of charge.
App & Customer Portal — risk protection view in the fund-linked Pillar 3a policy with optional death benefit and incapacity-to-work cover
Investment and risk protection.Return opportunities on the capital market. Insurance cover for death or incapacity to work and guarantees are optional — you decide whether and which cover to include.
Person on the move with a smartphone — Prosperity 3a and 3b recognised by the Swiss Federal Tax Administration (FTA) for Pillar 3a and 3b
Fully recognised for tax.Recognised by the Federal Tax Administration (FTA) — for both Pillar 3a and 3b.
Liechtenstein Life service team on the phone — personal support for your pension policyAI-modified image
Personal contact.Through the app, quick and uncomplicated contact with your intermediary.

The right solution for every stage of life.

Pick the product that matches your goal: save tax, invest flexibly for yourself, or provide specifically for your partner and children.

Pillar 3a

Prosperity 3a

State-encouraged tax relief lets you save tax and protect yourself against everyday risks at the same time.Pillar 3b

Prosperity Plus

Pillar 3b lets you tap return opportunities and adapt your pension flexibly to your life situation.Pillar 3b

Prosperity Duo

Save for someone close to you and protect them in case you can no longer provide for them yourself.Pillar 3b

Prosperity Junior

Build wealth for children or grandchildren early and protect them against everyday risks.
Wealth planning
Liechtenstein Life Wealth

Tax-efficient wealth planning with flexible withdrawal rights and a death benefit of up to 200 % of premiums paid.

Liechtenstein Life Wealth — strategic wealth planning from Liechtenstein

Prosperity cannot be measured in numbers. It is the reassuring feeling of meeting your own needs and caring for the people who matter most to you.

Aron Veress, CEO

3 steps to more financial freedom.

01
Get adviceWork through your pension needs with an intermediary. Not in touch with one yet? Book a free, no-obligation initial conversation.
02
Sign the policySign digitally. No paperwork. With personal support.
03
Manage in the appSteer the contract, track performance and adjust your fund strategy.
Getting started with Liechtenstein Life — three steps to your fund-linked pension policy

Want to know which solution fits you best?

Find the policy that fits you and your circumstances. Over 1'000 independent intermediaries in our Swiss network advise you, by phone or in person.

Good to know.

A fund-linked policy is a life insurance contract whose contributions are invested in funds you select: capital-market return opportunities combined with the legal framework of an insurance policy. We offer fund-linked policies in Pillar 3a (Prosperity 3a) and Pillar 3b (Prosperity Plus, Duo, Junior and Liechtenstein Life Wealth); the pillar determines which tax rules apply.

Important: insurance policies carry acquisition and administration fees. The value of your investment may fluctuate and can fall below the contributions paid in. Past performance is not an indicator of future results.

Pillar 3a is state-encouraged private pension provision: contributions can be deducted from taxable income. In return, payout and use are regulated by law. Pillar 3b is free private pension provision. It offers more flexibility on contributions, term and payout, but its contributions are not tax-deductible. Because of these structural differences, the two pillars complement each other well. A full explainer with a side-by-side comparison is on our Pillar 3 overview.

Within a fund-linked policy, under current Swiss tax law no ongoing income tax is generally levied on the investment income. Switching between funds usually does not trigger income tax. Only the surrender value of a Pillar 3b policy is subject to annual wealth tax; Pillar 3a assets are exempt from wealth tax until they are paid out. Payouts from free pension provision (Pillar 3b) are exempt from income tax provided the statutory conditions are met.

Maximum Pillar 3a deductions (2026) (linked to BVG threshold values, subject to official adjustment):

  • Employed persons with a pension fund: CHF 7'258
  • Employed persons without a pension fund: CHF 36'288 (20 % of net earned income)

Pillar 3a in particular is governed by BVV 3, Ordinance on Tax Deductibility of Contributions to Recognised Forms of Pension Provision (SR 831.461.3); further federal and cantonal tax provisions also apply.

This section is general information and does not replace tax or legal advice. Amounts and rules can change. The actual tax effects depend on your canton of residence and your individual situation.

The costs consist of the policy's administration fees and the fund costs (TER) of the funds you select. A full cost overview is provided in conversation with your intermediary. The offer states the costs as a percentage reduction in return; the actual amount depends on your situation.

Yes. Within our fund-linked policies you can adjust your investment strategy on an ongoing basis. Fund shift (rebalancing existing amounts) and fund switch (changing the allocation of future contributions) are usually free of charge up to twelve times a year. These changes remain tax-neutral inside the policy.

Several layers contribute to the security of your capital. Under Liechtenstein law, your fund assets are segregated assets, legally attributed to you and held separately from the insurer's own assets. Insurers in Liechtenstein are supervised by the Financial Market Authority (FMA) with clearly defined capital and risk-management requirements.

At country level, Liechtenstein is one of Europe's most stable financial centres: AAA credit rating, debt-free and running budget surpluses. As an EEA member, EU-compatible supervisory and transparency standards apply.