How secure are my pension assets in neon's pillar 3a?
With neon, your pillar 3a assets are legally protected, even in the event of bankruptcy.
Why your money is safe: Your money is held by the simply3a pension foundation and invested with the private bank Lienhardt & Partner – specifically in Swisscanto funds. Your money is therefore invested and classified as segregated assets. This means that your 3a assets are safe even in the event of bankruptcy.
What this means in practice:
Legally, your money always belongs to you
It is separate from the provider (neon and partners)
Even in the event of bankruptcy, your assets remain protected
Important difference from deposit protection:
Bank balances: protected up to 100'000 CHF by deposit protection
Pillar 3a with neon: not a bank balance, but segregated assets → therefore protected separately
