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Launching this October
Coming this October, the Alpian Pillar 3a solution, composed of 100% BlackRock funds and managed by lemania-pension, lets you save on taxes every year and, if you join the waiting list, you benefit from 0% management fees* until 31 December 2026.
Save on taxes
Up to CHF 7'258 annual deduction.
Invest with BlackRock
100% of your 3a is invested in BlackRock funds.
Low fees
Pay no management fees* until December 2026, then only 0,60% per year.
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0% management fees*
Transfer your existing 3a or open a new one with Alpian and enjoy 0% management fees until 31 December 2026. Limited to the first 1'000 clients.
Prepare your future today and pay 0% management fees*
Save on taxes every year and benefit from 0% management fees on your 3a until 31 December 2026.
Today
Join the waiting list and claim one of the 1’000 limited spots.
October 2025
Be among the first to access Alpian 3a 100% BlackRock | Managed by lemania-pension.
2026
Build your 3a wealth in BlackRock portfolios, with no management fees until 31 December 2026.*
Secure your spot among the first 1'000 and enjoy 0% management fees*
*For 2025 and 2026, all management and foundation fees are fully reimbursed. Only minimal underlying fund costs (around 0.15% TER) and applicable VAT remain, which are not included in the management fees and remain the responsibility of the investor. Offer limited to the first 1'000 Pillar 3a accounts opened. Investments involve risks, including the possible loss of invested capital. The value of investments can fluctuate and there is no guarantee of making profits or avoiding losses. Potential investors should consult a qualified financial advisor before making any investment decisions. Please read the full risk warnings and other relevant documents on our website before investing.
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Get the most out of your money
Your Pillar 3a has been designed for performance. Your capital is invested to the fullest. Your portfolio is therefore aimed at optimal growth so that you have more at the time of your retirement.
Secure your future
Close the pension gap
Cover the shortfall left by the 1st and 2nd pillars to maintain your lifestyle in retirement.
Up to 8 strategies
Pick among 8 strategies with a Swiss or Global focus.
100% BlackRock
All of your 3a money is invested in trusted BlackRock funds.
Low fees
0% management fees* until 2026, then just 0.60% annually.
Security
Your 3a savings are securely invested, fully protected, and always your property.
Fully digital
Open, invest, and follow your 3a with ease. Minimum deposit CHF 1'000.
3 reasons to start now
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Save on taxes
Up to CHF 7'258 annual deduction + no wealth tax on your growth.
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Access to property
Use your Pillar 3a savings for an early withdrawal to finance your future property.
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Plan your retirement
The 1st and 2nd pillars cover only 60% of your income in retirement. Secure the rest with a 3a solution.
Save 35%
Plan your retirement with Alpian Pillar 3a and save 35% compared to traditional banks.
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100% BlackRock
Your Pillar 3a is built exclusively with BlackRock funds, the world’s largest asset manager, bringing institutional-quality investing directly to you.
iShares® and BlackRock® are registered trademarks of BlackRock Finance, Inc. and its affiliates ("BlackRock") and are used under license. BlackRock makes no representations or warranties regarding the advisability of investing in any product or the use of any service offered by Alpian SA.
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lemania-pension
Alpian partners with lemania-pension, one of the most recognized pension platforms in Switzerland. With its long-standing expertise, Lemania safeguards your Pillar 3a savings, while Alpian provides you with an experience that combines security, transparency, and simplicity.
Secure your spot among the first 1'000 clients and enjoy 0% management fees
Conditions and services
Minimum deposit
The minimum deposit to open the Pillar 3a with Alpian is CHF 1'000.
Tax benefits
Every franc you contribute reduces your taxable income. Your 3a savings and returns are exempt from wealth and income tax during accumulation. At withdrawal, the capital is taxed separately at a reduced rate.
Fees
Management fees are 0.60% per year. If you join the waiting list, you benefit from a special offer: all fees charged until 31 December 2026 will be reimbursed at the end of 2026. Offer limited to the first 1'000 clients. The following offer does not include the following costs, which remain the responsibility of the investor: VAT, stamp duties, the products’ TER (on average 0,15%), and the subscription/redemption spreads of each product, which are directly reflected in the price of the relevant instrument.
Management
Managed by lemania-pension with BlackRock ETFs, your Pillar 3a is fully accessible and effortless to manage through the Alpian app.
Security
Your 3a is held with lemania-prévoyance, a Swiss legal entity regulated by the Cantonal Supervisory Authority for Foundations and Pension Institutions. Your assets are invested in institutional-grade BlackRock index funds and ETFs, kept separate from the assets of Alpian and lemania-prévoyance, and always remain your property. Your savings are therefore protected, even in the event of insolvency.
Still have questions ?
What is a Pillar 3a?
A Swiss retirement savings account that helps you build wealth for the future while reducing your taxes today.
Can I transfer an existing 3a to Alpian?
Yes, you can transfer your existing 3a to Alpian at any time. If you do so before 31 December 2025, you benefit from a fee waiver, with all fees charged until 31 December 2026. This offer is limited to the first 1'000 clients.
Can I access my 3a before retirement?
Yes, but only in specific cases:
Buying your main residence
Permanent departure from Switzerland
Becoming self-employed
Disability or death
Retirement (up to 5 years before the official age)
Is it really free?
For 2025 and 2026, the management and foundation fees charged during this period will be reimbursed at the end of 2026. Only minimal fund costs (around 0.15% TER) and applicable VAT remain, just like with any other investment.
What happens to my 3a when I retire?
You can withdraw your 3a up to five years before reaching the official retirement age. The withdrawal is taxed separately at a reduced rate compared to regular income.
Can I have more than one 3a account?
Yes. Swiss law allows you to hold multiple 3a accounts with different providers, and many people do this to optimize taxes at withdrawal. At Alpian, however, you can currently open only one 3a account.
This communication is for informational purposes only and does not constitute investment, legal, or tax advice. The Pillar 3a solution presented is a tax-qualified retirement savings product subject to Swiss regulatory conditions. Contributions to Pillar 3a accounts may be tax-deductible, and withdrawals are permitted only under specific circumstances defined by law (e.g., retirement, home ownership, or self-employment).
Investment strategies within Pillar 3a may involve exposure to financial markets and are subject to market risks, including potential fluctuations in value. Before making any investment decision, we recommend consulting with a qualified financial advisor to assess your individual situation and objectives.