Who is behind it

LibertyGreen is the sustainable Pillar 3a foundation of the Liberty group, based in Schwyz. Liberty Vorsorge AG runs the business; the group also operates other foundations of the second and third pillars.

Under its current name, LibertyGreen 3a Vorsorgestiftung, the foundation has appeared in the commercial register since 2020. The Liberty group presented the offering as a digital pension solution – with an app and the Liberty Connect online portal. Roman Florinett appeared in a LibertyGreen interview as the then managing director; the current foundation page lists Oliver Bienek as managing director a. i.

According to the provider’s site, Graubündner Kantonalbank holds the account and the securities in custody. Partners such as Visana list LibertyGreen as a cooperation offering on their own pension interface.

What is distinctive about the product decision: according to its own account, LibertyGreen does not use classic pension funds, but direct investments in selected individual shares. The selection follows ESG criteria; Liberty cites data from MSCI ESG Research for this. You choose between an account solution and five Green Invest strategies with equity shares of 25 to 95 percent.

What the all-in fee means

Anyone comparing the fees of 3a securities accounts encounters a stated all-in fee at LibertyGreen. The strategy overview lists 0.00 percent for the account solution and 0.10 to 0.38 percent for Green Invest 25 to Green Invest 95. According to the provider, this includes account opening, account administration, the foundation fee, purchases and sales, custody, strategy changes and the online portal. According to LibertyGreen, no additional fund TER applies under this direct-investment model – that is the core of the fee mechanism.

In parallel, the same website shows the line «Gebühren auf Anlagevermögen Max. 0,40 Prozent» (fees on invested assets, max. 0.40 percent) under the fee overview. Both figures are publicly disclosed.

The price list states event cases separately. For an early withdrawal for home ownership, for example, it lists CHF 400 for residence in Switzerland and CHF 600 for residence abroad. Emigration service packages are shown at CHF 600 and CHF 1,200 per account respectively. The account and the custody account themselves are listed at CHF 0 in the overview.

How does the setup earn money then? Through the all-in fee on the invested pension assets and through the event fees. As platform and foundation service provider, Liberty Vorsorge AG also earns from the group’s broader pension business – LibertyGreen is one of several offerings there. On the account page, LibertyGreen names the Liberty platform with assets under management of around CHF 5.5 billion; that is a group figure, not a LibertyGreen-specific AUM figure.

In short: in the public price lists, LibertyGreen appears with an all-in fee of 0.00 to 0.38 percent per strategy, without a disclosed fund TER on direct investments. Alongside that are event cases and the differing maximum figure of 0.40 percent. The figures come from libertygreen.ch and public sources of the Liberty group. They do not replace a check of your own statement or policy.

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Sources

This is not a recommendation of which account you should choose.