Open a 3rd Pillar A account

Tied individual retirement savings (3rd Pillar A)

If you’d like to open a tied individual retirement saving account (3rd Pillar A), please follow the steps outlined below:

Determine your investor profile

To choose the portfolio that best suits your circumstances, you first have to determine your “risk appetite” or tolerance to fluctuations in the value of your assets, and the expected duration of your investment.

Questionnaire: client profile

Choose a portfolio or allocation

You are free to allocate the retirement savings capital to one or more of the seven available portfolios.

If you are willing to incur risks, you might
prefer a portfolio with a higher percentage of equities. You could achieve greater capital appreciation, provided that you are able to withstand potentially higher fluctuations from one year to another.

The chart shows which portfolio(s) might best meet your investment goals.

Pay in the amounts you wish

You are free to decide how much and how often
you pay in, although such payments are capped according to the maximum tax-deductible amount each year. You may also transfer into your account held with our foundation some or all of the capital vesting with another institution offering tied retirement saving possibilities.

Investment portfolios

  • Preservation

    LPP/BVG-Short Term Money Market ESG

    You want to earn a stable return and preserve the value of your investment while taking into account environmental, social and governance (ESG) criteria.

    More

  • Security

    LPP/BVG-Short-Mid Term Bonds

    You attach considerable importance to preserving your capital and to security.

    More

  • Defensive

    LPP/BVG-10 ESG

    You seek an attractive performance but want to limit the risk of depreciation in the amount of your capital.

    More

  • Growth

    LPP/BVG-25 ESG

    You want to diversify your investments and can readily accept price fluctuations.

    More

  • Flexibility

    LPP/BVG-Multi Asset Flexible

    You are looking for a portfolio that seeks to earn an absolute return in all market conditions.

    More

  • Dynamic

    LPP/BVG-40 ESG

    You want to invest your capital so that it achieves the highest performance possible for the risks involved.

    More

  • Offensive

    LPP/BVG-60 ESG

    You are looking to maximize the performance of your investment and are prepared to take significant risks.

    More

I am an Individual investor or Family
Please confirm your profile
Or select a different profile
Confirm your selection
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