UBS Financial Advisory - Pension Provision

Overview of pension provision

Death and disability

The table shows the likelihood of occurrence per 1000 people in gainful employment.

Disability or death can strike at random, yet have serious financial consequences. It is essential to take out appropriate insurance cover to protect yourself and your surviving dependants.

Old age
Retirement should be planned in good time by selecting appropriate pension vehicles.

Pension provision is still a matter of personal choice

Pensions in Switzerland are based on the 3-pillar system. The combined objective of Pillars 1 and 2 is to ensure that pensioners enjoy the basic standard of living they have become accustomed to. Pillar 3 is designed to allow additional pension cover on an individual basis.

Due to escalating healthcare costs caused by demographic shifts and the extension of benefits etc., it is becoming increasingly difficult for the Swiss social security system to deliver on pension commitments. Individual Pillar 3 pension provision is therefore becoming increasingly important.

Your UBS advisor will help you conduct a risk analysis of your personal situation and select the products needed to close any gaps.