Personalised investment


Mixed strategy profiles

Pens3a offers you numerous mixed strategy profiles from investment foundations and investment funds depending on your personal risk capacity and risk appetite. You benefit from institutional rates for all your investment solutions. This brings tangible cost advantages, which positively impacts the value of your assets.


Free choice of bank, free choice of strategy

You can use Pens3a to invest your 3a retirement assets in a varied and customised way and thus gain full transparency in terms of costs and performance. Pens3a works on individual investment solutions with different banks, investment foundations and fund providers. The choice of bank and implementation type of your investment strategy is entirely yours. A mortgage to finance an owner-occupied home brings you additional added value.


Benefit from our network

Investing money is a trust-based business. If you join Pens3a, you can select a bank from our exclusive network in addition to our founding partner Reichmuth & Co:

  • Reichmuth & Co

  • Bank Vontobel AG

  • Sparkasse Schwyz AG

  • Zähringer Privatbank AG

Available investment funds

Strategy profiles

Investment strategies with a discretionary asset management mandate

The advantages of customised investment are most effective if you want to implement your strategy using single securities or special themes, such as dividend equity funds or sustainable investments. These strategies are only for larger retirement asset volumes for diversification purposes. You attain maximum benefit when you align your retirement portfolio with your private assets.

PensExpert Luzern Pilatus

PensExpert mortgage: an investment gem

Provide your own credit. Pens3a offers you a unique opportunity to finance your own mortgage through your retirement assets in the form of a fund investment.

A homeowner usually takes a mortgage from a bank and pays interest on the loan. However, with the “IST2 Hypotheken Wohnen” investment group of the IST2 Investment Foundation, many insured parties invest part of their pension capital in the same fund and receive a corresponding mortgage as a private person.

Your advantages at a glance:

  • attractive alternative to fixed-income securities

  • low-risk investment for improved retirement custodian account stability

  • mortgage possible up to 100% of your pension capital

  • tax-related interest rate discount

  • tax-deductible distribution to the retirement custodian account

Discover more benefits