Make double provisions.
For yourself and the environment.
Your new 3a app focusing on sustainability. You decide which environmental issues are important to you and which investment strategy you wish to invest with. Everything is entirely digital and transparent.
What does Pando offer you?
Pay into your pillar 3a account flexibly via the app. Save tax. Build up pension fund assets. Invest in a more sustainable world.
ESG and impact funds
Not all sustainability is sustainable.
There are many environmentally friendly investments on offer today. But not all of them have the same impact. With Pando, there are two types of investment in your portfolio.
Sustainable ESG funds that invest specifically in companies with above-average performance in terms of environmental, social and governance criteria.
Particularly sustainable impact funds that allow you to set personal priorities (Climate, Environment & Biodiversity, Green Buildings & Infrastructure) and specifically support the UN’s Sustainable Development Goals.
This puts Pando among the 3a providers with the strictest sustainability criteria.
Figures rather than empty words
We don’t just claim to be sustainable, we prove it. You can see precisely in the app what positive impact your investment has already achieved.
Find out how much CO2 you have avoided.
See how much renewable energy generated can be attributed to your investment.
To make the figures tangible, we have converted them into everyday examples.
Quality and flexibility
160 years of expertise in one app.
Swiss Life is the driving force behind Pando. You therefore benefit from professionals who actively manage funds for you in order to achieve your pension goals.
You set the priorities and strategy, we continuously optimise your investment.
You make flexible payments up to the maximum annual amount.
No minimum investment, no fixed contract and no obligations.
Which sustainability topics are important to you?
Through our impact funds, you invest in companies that develop business models for a sustainable future.
Invest in measures to mitigate climate change.
Environment & Biodiversity
Invest in steps to preserve our natural habitats.
Green Buildings & Infrastructure
Invest in solutions to make buildings and infrastructure more sustainable.
Achieve your pension goals
Whether ambitious or on the side of caution: calculate the potential that different strategies offer you.
Make environmentally conscious provisions with Pando
Fair and transparent: the costs.
0.99% per year
This comprises the flat fee (0.84%/year) and the fund costs (TER) (0.15%/year). Everything else is included: custody account opening and management, investments, sales, trading commissions, administration fees.
Three tips for providing for the future sustainably with your 3a account
Would you like to provide for your future, save taxes and do something for the environment at the same time? Regular pillar 3a payments in particular are a great opportunity to support sustainable change. Here are three tips on how to get started and get the most benefit for you and the environment.
Provide for tomorrow today: how to save with pillar 3a
The Swiss pension system is facing major challenges. For this reason, 70 percent of the working population are securing themselves financially with third pillar provisions on top of state and occupational pension provision – around 40 percent of them with the help of pension apps. Do you also want to save for your future? We have the answers to the most important questions concerning pillar 3a.
Maximum amount for 2023: how to get the most out of pillar 3a
It makes sense to have a pillar 3a account. It’s even better to make regular deposits, as the more money you pay into pillar 3a, the more you can save on taxes and benefit in retirement. Here are a few thoughts on this.
Which investment strategies can I select?
A total of 35 different investment strategies are available, based on the selected sustainability topics and your investment profile.
Why should I choose Pando?
Pando offers you a solution that pays off for you and the planet. We wish to fundamentally change the way our provisions are invested. We believe that we can use our investments to create a world worth living in that treats nature, living beings and our resources with respect. We therefore only invest in sustainable ESG investments. In addition, you can select from up to three environmental sustainability topics with particularly stringent requirements. At the same time, Pando by Swiss Life offers you first-class quality for your investments.
What do I need to open a pillar 3a account with Pando?
We will need a valid passport, a valid identity card (ID) or a valid residence permit for foreign nationals. You must be domiciled in Switzerland and have a valid mobile phone number.
How does Pando differ from other 3a providers?
We focus on sustainability and have strict selection criteria for the companies you invest in. With Pando, you can specifically support the United Nations Sustainable Development Goals (SDGs) by choosing the environmental sustainability topics Climate, Environment & Biodiversity and Green Buildings & Infrastructure. We visualise the impact of your investments with selected key figures.
What fees are incurred with Pando?
The flat fee for your pension fund assets is charged quarterly and amounts to 0.84% per year. The fund costs (TER) are incurred in addition to the flat fee and amount to 0.15% per year. The fund costs are deducted from the performance.