Liberty Vorsorge

What Liberty Vorsorge does

Liberty Vorsorge AG is a Swiss pension platform provider headquartered in Seewen SZ, operating exclusively in Switzerland across all three major language regions (German, French, Italian) via offices in Schwyz, Nyon and Lugano. The company is structured around seven wholly-owned pension foundations covering collective occupational benefits (BVG Sammelstiftung), vested benefits (Freizügigkeitsstiftung plus the Lealta variant), Pillar 3a retirement savings (including the LibertyGreen sustainable foundation), executive occupational plans (1e Flex Investstiftung) and an investment foundation (Anlagestiftung). Liberty positions itself as the only Swiss provider offering this breadth of individualized 2nd and 3rd pillar products from a single independent platform.

The platform combines proprietary digital tools with third-party technology: SmartGate and Self On Boarding enable fully digitized account opening, Liberty Connect and the WebPKS/WebVS portals provide policyholder and employer self-service (running on Macos AG technology), Compare Invest is a free BVG/LPP fund comparison tool, and the MyLiberty App supports mobile account opening. In February 2026 Liberty fully acquired Kaspar& (Kasparund AG), a St. Gallen-based fintech that supplies white-label B2B pension and investment technology to regional banks, adding an OEM channel to the platform. Liberty's distribution reaches retail individuals (Pillar 3a and vested benefits), corporate employers from SMEs to large enterprises (BVG basic, supplementary, 1e-Flex), business partners (independent advisors, asset managers, banks, fintechs, product providers) and institutional clients (outsourcing, portfolio transfers, Anlagestiftung investments).

Liberty's revenue model is asset-based: recurring administration, management and foundation fees on assets under administration across the seven foundations, supplemented by transaction fees on investment product distribution (BVG Fund Invest, Index Invest, Multi Fund Invest, Mandate Invest). Pricing is tiered from CHF 1 entry points on BVG-compliant and index funds to CHF 250,000 for multi-fund and CHF 750,000 for mandate solutions, with annual billing and monthly pro-rata deduction. No Total Expense Ratio is charged on in-house fund investments, which is positioned as a competitive pricing differentiator. Marketing and customer acquisition leverage digital content, an online appointment booking system, independent comparison platform recognition, and a network of partner advisors and asset managers.

Name

Liberty Vorsorge

Legal name

Liberty Vorsorge AG

Website

https://liberty.ch/

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Liberty Vorsorge AG is a Swiss pension platform provider operating seven regulated foundations covering 2nd pillar (BVG, 1e-Flex, vested benefits) and 3rd pillar (Pillar 3a, sustainable LibertyGreen) pensions, serving retail savers, corporate employers, business partners and institutional clients across Switzerland through a digital platform complemented by advisor and white-label B2B channels.

Ownership category

akta.pro rank

Product category

Swiss Occupational and Private Pension Services

NAICS

Pension Funds (525110)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Occupational pension services
• Pension fund administration
• Pillar 3a savings
• Vested benefits accounts
• Pension platform solutions

Headquarters

HQ city

Schwyz

HQ country

Switzerland

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Pension Asset Management and Administration Fees: Liberty earns fees from managing and administering pension assets across its multiple foundations (BVG Sammelstiftung, Freizügigkeitsstiftung, 3a Vorsorgestiftung, 1e Flex Investstiftung, Anlagestiftung, LibertyGreen 3a). Fees are assessed on assets under administration and cover account opening, account management, online portals, foundation fees, strategy changes, and buy/sell transactions.
2. Investment Product Distribution: Liberty distributes investment products including BVG Fund Invest, Index Invest, Multi Fund Invest, and Mandate Invest solutions. Revenue derives from fee structures on investment products managed on the platform, with no additional TER (Total Expense Ratio) charged on in-house fund investments.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Liberty Vorsorge AG operates an open, independent, modular Swiss pension platform providing comprehensive 2nd pillar (occupational/BVG/LPP) and 3rd pillar (private Pillar 3a) pension products and services. The platform is built on seven wholly owned Swiss pension foundations covering basic BVG coverage, executive 1e-Flex plans, vested benefits, Pillar 3a savings, an investment foundation, and a sustainable 3a foundation, supported by fully digital onboarding and self-service tools. Revenue is generated from recurring administration and management fees on assets under management, supplemented by investment product distribution fees and white-label B2B technology licensing to partner banks following the February 2026 acquisition of Kaspar&.

Product overview

Liberty Vorsorge operates as an open, modular pension platform offering comprehensive Swiss occupational (2nd pillar/BVG) and private (3rd pillar/pillar 3a) pension products. The platform is built on seven Swiss pension foundations — Liberty 1e Flex Investstiftung, Liberty BVG Sammelstiftung, Liberty Freizügigkeitsstiftung, Lealta Freizügigkeitsstiftung, Liberty 3a Vorsorgestiftung, Liberty Anlagestiftung, and LibertyGreen 3a Vorsorgestiftung — which collectively provide basic, executive, and sustainable investment pension solutions. These are complemented by digital platform tools including SmartGate (fully digitized onboarding), Liberty Connect (1e securities portal), Compare Invest (BVG fund comparison tool), Self On Boarding (online account opening), BVG/1e online portals, and the MyLiberty mobile app. The acquired fintech Kaspar& provides white-label B2B banking technology. The platform serves private individuals, companies, business partners (intermediaries, banks, asset managers, fintechs), and institutional clients, offering investment products ranging from BVG-compliant mixed funds (BVG Fund Invest, Index Invest) to multi-fund mandates (Multi Fund Invest) and discretionary mandates (Mandate Invest) for high-net-worth pension assets.

Differentiator

Problem solved

Functional benefit

Brands

• SmartGate: Digital platform offering fully digitized account opening process for pension products
• Liberty Connect
• MyLiberty App
• Prefex
• Compare Invest
• LibertyGreen
• Lealta

Products and services

• Liberty 1e Flex Investstiftung (Liberty 1e Flex Investment Foundation) Occupational pension foundation for executives, senior management, and board members (1e occupational benefits), offering tailored investment solutions in the supralegal area of occupational benefits. Targeted at high-earner employees and self-employed individuals via the Swiss Association of Entrepreneurs partnership.
• Liberty BVG Sammelstiftung (Liberty BVG Collective Foundation) Collective BVG/LPP pension solution for SMEs and large enterprises covering both basic (Basisvorsorge) and executive (Zusatzvorsorge) benefit tiers, with high planning flexibility, personal consultation, and custom asset management for companies with 50+ employees.
• Liberty Freizügigkeitsstiftung (Liberty Vested Benefits Foundation) Vested benefits (pillar 2) foundation for individuals who have left a Swiss pension scheme, allowing them to hold and invest pension capital until joining a new employer's scheme. Includes online account opening via Self On Boarding.
• Lealta Freizügigkeitsstiftung (Lealta Vested Benefits Foundation) Vested benefits foundation variant offering additional diversification and optimization options in asset allocation as well as in the withdrawal of vested benefit capital, complementing the standard Liberty Vested Benefits Foundation.
• Liberty 3a Vorsorgestiftung (Liberty 3a Pension Foundation) Pillar 3a (tied pension savings) foundation enabling tax optimization, retirement income enhancement, and cost-effective securities-based investment solutions for individual Swiss savers. Supports online account opening via direct.liberty.ch and the MyLiberty App.
• Liberty Anlagestiftung (Liberty Investment Foundation) Investment foundation enabling Swiss pension funds to invest efficiently and cost-effectively in Swiss mortgages, offering an additional return source with high security backed by property liens. Includes investment groups Swiss Hypo Residence and Swiss Hypo Pension.
• LibertyGreen 3a Vorsorgestiftung (LibertyGreen 3a Pension Foundation) Sustainable Pillar 3a pension foundation enabling savers to plan their retirement while saving taxes and contributing to environmental protection through sustainable investments. Positioned as the first sustainable Pillar 3a foundation in Switzerland.
• BVG Fund Invest BVG-compliant mixed-fund investment product enabling pension assets to be invested in BVG/LPP-compliant mixed funds. Minimum investment starts at CHF 1, with access to all BVG-compliant investment funds on the compare-invest.ch platform. Champ Solutions (Top 3) offer complete package solutions.
• Index Invest Pure index fund investment product with rule-based strategies implemented to match benchmark risk/return profiles. Accessible starting from CHF 1 minimum investment.
• Multi Fund Invest Investment solution for eligible Swiss-distributed investment funds for balances of CHF 250,000 or more, with options for self-directed or advisor-supported management via the compare-invest.ch platform.
• Mandate Invest Individual direct investment mandate solution available from CHF 750,000 minimum, implemented under a mandate by a FINMA-regulated asset manager, offering the highest level of security among Liberty investment tiers.
• Kaspar& White-Label B2B Technology White-label B2B digital investment and pension technology platform acquired by Liberty in February 2026 (Kaspar& / Kasparund AG, originally founded in St. Gallen in 2020). Supplied to regional banks as an embeddable pension and investment solution under their own brands. Kaspar& operates as an independent entity within the Liberty Group.
• Emigration Services Service for individuals emigrating from Switzerland to manage the transfer, retention, or payout of their Swiss pension assets (vested benefits and Pillar 3a) under Liberty's pension foundations.

Quantifiable outcome

• Assets are diversified across dozens of Swiss banks, significantly reducing default and loss risk for individual pension holders
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Kaspar& (Kasparund AG)coreTechnology or Integration · 22 February 2026Liberty fully acquired Kaspar& (Kasparund AG), a Swiss FinTech founded in St. Gallen in 2020, specializing in digital investment and pension solutions. Kaspar& had pivoted to B2B operations in 2024, providing white-label technology to banks including Liberty itself. Kaspar& now operates as an independent entity within the Liberty Group, anchored in St. Gallen, with its Zurich Technopark branch.
• Swiss Kaderorganisation (SKO) / Swiss LeaderscoreStrategic or Co-development PartnerLiberty is the exclusive partner of the Swiss Association of Entrepreneurs (Schweizer Unternehmerverband) for pension solutions. In collaboration with the Swiss Kaderorganisation (SKO), Liberty offers attractive pension plans for SMEs and self-employed individuals with and without employees.
• Swiss Sustainable Finance (SSF)minorStrategic or Co-development PartnerSwiss Sustainable Finance (SSF) was founded in 2014 to promote sustainability in the Swiss financial market and strengthen Switzerland's position as a global center for sustainable finance. Liberty partners with SSF to promote sustainable pension solutions.
• Visana Kranken- und UnfallversichererminorGTM or Marketing PartnerVisana is one of Switzerland's largest health and accident insurers, with over 838,000 private and 16,500 corporate customers and 1,400 employees. Visana has committed to Corporate Social Responsibility (CSR) and partners with Liberty in the pension ecosystem.
• Swiss EquestrianminorGTM or Marketing PartnerSwiss Equestrian is the umbrella organization for equestrian sport in Switzerland, from mass sport to elite sport. Liberty maintains a sponsorship/partnership with Swiss Equestrian.
• FINQUEST AGminorChannel Partner/ Reseller/ DistributorFINQUEST AG is an independent financial advisory firm that has worked with Liberty for over 10 years, distributing Liberty pension solutions to clients. They cite Liberty's flexible and transparent pension solutions, affordable platform, and broad range of investment options as key reasons for the partnership.
• Prospera-Invest Vermögensverwaltung AGminorChannel Partner/ Reseller/ DistributorProspera-Invest Vermögensverwaltung AG, led by Marcel Chevrolet, has been working closely with Liberty since 2014 and has served over 200 customers. The firm uses Liberty as its primary pension platform for clients.
• Swiss Association of Entrepreneurs (Schweizer Unternehmerverband)coreChannel Partner/ Reseller/ DistributorLiberty is the exclusive partner of the Swiss Association of Entrepreneurs for pension solutions. The association connects self-employed individuals and SMEs with Liberty's pension platform, providing association Vorsorgelösungen through the SKO.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• VIAC: Swiss digital pillar 3a and vested benefits platform offering low-fee index-based retirement savings to retail and self-employed customers. Directly comparable to Liberty's 3a Vorsorgestiftung and Freizügigkeitsstiftung from a digital-first, low-cost angle; the emerging fintech competitor for Liberty's retail book.
• True Wealth: Swiss robo-advisor and pillar 3a platform offering automated, low-cost index-based pension and wealth management. Comparable to Liberty in the digitally-served pillar 3a segment and in the use of BVG/LPP-compliant index fund wrappers similar to Liberty's Index Invest product.
• Selma Finance: Swiss digital wealth and pension advisory platform offering pillar 3a and invested pension solutions to retail clients. Comparable to Liberty's digital onboarding and 3a/Freizügigkeit offerings, representing an emerging fintech challenger in the same retail retirement segment.
• Finpension: Swiss fintech offering pillar 3a, vested benefits, and securities-based pension investing via a digital platform. Directly comparable to Liberty's Self On Boarding flow and 3a/Freizügigkeit foundations, particularly in serving cost-conscious individual savers.

Others

• Raiffeisen Schweiz: Swiss cooperative bank offering pillar 3a and vested benefits products to its broad retail and SME member base. A relevant distribution counterpart for Liberty's B2B Business Partner channel and a buyer of white-label pension infrastructure in the Swiss banking ecosystem.

Broad incumbents

• AXA Switzerland: Major Swiss insurer offering BVG/LPP collective foundation products, pillar 3a solutions, and corporate pension consulting. Overlaps directly with Liberty's BVG Sammelstiftung and 3a foundations, with far larger field-sales reach across Swiss corporates.
• Helvetia Insurance: Swiss insurance group providing occupational pension foundations, vested benefits, and pillar 3a products alongside life and non-life insurance. Comparable to Liberty in operating multiple Swiss pension foundations, though as part of a broader insurance portfolio.
• Baloise Group: Basel-based insurer offering BVG collective foundations, pillar 3a, and corporate pension solutions alongside property/casualty and life insurance. A comparable incumbent operating in the same Swiss 2nd and 3rd pillar space, with strong corporate distribution in German-speaking Switzerland.
• Swiss Life: Switzerland's largest life insurer and a dominant occupational pension provider operating collective foundations (Sammelstiftungen) and full-service BVG/LPP administration for corporate clients. Comparable as the incumbent benchmark in the same product categories Liberty serves, with much broader distribution and scale.
• Zurich Insurance Switzerland: Swiss arm of Zurich Insurance providing occupational and private pension products including BVG collective foundations and pillar 3a. Directly competes with Liberty's BVG Sammelstiftung and 1e Flex offering for corporate and executive clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Vorsorge