Inyova 3a: A truly sustainable Pillar 3a

Inyova 3a: A truly sustainable Pillar 3a

Retirement is the new 40. Live your best life with the Inyova 3a.

More than your typical retirement plan

  • Real impact Invest in stocks and bonds that have traceable sustainable impact. This gives you power. We’ll show you what to do with it.
  • Long-term returns Create wealth for your retirement, through investments that help solve the biggest issues of our time.
  • Tax savings Deduct up to CHF 7,056 from your taxable income – CHF 35,280 if you’re self-employed!
Getting started is easy

Open an account

Start with CHF 100 and enjoy immediate tax savings.

Transfer an existing 3a

We’ll help you transfer your existing Pillar 3a.
Annual Fee
0.8% p.a

fixed fee per year (paid monthly).

  • Local customer support
    Our friendly customer success team is here for you when you need it.
  • Financial reporting & tax statements
    We provide a yearly tax statement at the beginning of each year that you can attach to your tax report or submit using eTax.
  • Continuous risk management
    To manage your risk, we implement modern portfolio theory and diversify your investment across at least 30 different stocks. To reduce your risk exposure, we spread your investment across different industries, countries, currencies, company sizes, and other dimensions.
  • Corporate Actions Management
    Corporate actions includes things like takeovers, bonus issues, rights issues, and consolidations at the companies you are invested in. We keep track of these and manage them on your behalf.
  • Dedicated impact team
    Inyova’s dedicated Impact Team are our in-house sustainability experts. They monitor the companies you invest in, and work with companies to improve their sustainability impact. The team also researches more companies to add to the Inyova universe.
  • Annual rebalancing
    Your portfolio is well diversified and designed to grow with the stock market in the long term. We regularly rebalance your portfolio to maintain the optimal level of risk. This usually happens once per year, but it happens more regularly if there is an imbalance.
  • Your own pension foundation account
    Our pension foundation partner, Liberty Switzerland, is regulated by the Financial Market Supervisory Authority (FINMA). Your account meets all regulatory standards. Inyova is based in Zurich and fully regulated in Switzerland by PolyReg.
  • All transactions & currency exchange fees
    Your annual fee covers all deposits, transactions, and foreign exchange fees. Our foundation partner may charge an administration fee if you withdraw your Pillar 3a before retirement.

Your investment over time


Potential return


Expected return


Potential loss

*Calculated on the basis of market data for the last 100 years. Past performance is no guarantee for future performance.

The best choice
for Pillar 3a

Comparing the annual fees on a CHF 7,000 investment

ETF Robo advisor
CHF 30
  • Impact Focus
  • Full transparency
  • Personalized portfolio
  • Direct shareholdings
CHF 54
  • Impact focus All investments made with the intention to generate a measurable, beneficial social or environmental impact, alongside a financial return.
  • Full transparency
  • Personalized portfolio
  • Direct shareholdings
Insurance company
CHF 248
  • Impact focus
  • Full transparency
  • Personalized portfolio
  • Direct shareholdings
Traditional bank
CHF 103
  • Impact focus
  • Full transparency
  • Personalized portfolio
  • Direct shareholdings
Select your language and country
Choose the country of your residence to learn more about our offering for you.