Save for your retirement and achieve your goals.

Achieving your goals is one of the great joys in life. By planning your finances for your retirement early and systematically, you can be sure of realizing your objectives.

 

The road to achieving the future you desire begins here and now:

  1. Understand your current financial situation – how much can you save?
  2. Define your objectives for tomorrow – what do you want to achieve?
  3. Plan now for your retirement – what are your best retirement planning options?

 

Advice and contact

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1. Understand your current financial situation

To find out what options are available to you for your retirement planning, you need to know how much you can put aside. To do so, compare your income and your expenses: how much of your income is left over for your savings and retirement plan?

Then list your assets.
Have you also thought about a cash reserve? Our tips:

  • Keep a contingency reserve for unexpected needs
  • Set aside a consumption reserve of three times your monthly income

How much cash is left over for your savings and retirement provision?


Your financial flexibility for savings and retirement provision

Overview of cash reserves for savings and retirement provision after the deduction of consumption reserves

Source: UBS

 

 

We will be happy to help you to list and analyze your current assets. To make an initial estimate, use the budget planner.


2. Define your objectives for tomorrow

What do you want to achieve?

When you know how much you want to put aside for your savings and retirement provision, you can also assess what financial objectives are realistic. Do you dream of traveling around the world, owning your own home, or running your own business? Or perhaps you would like to retire early?

We would be happy to help you to define your savings and retirement objectives. Use the savings target calculator to get an initial impression of how soon you can achieve your goals.

How can you achieve your target?

The sooner you start planning your retirement, the more comfortable it will be. Putting aside savings regularly will bring you closer to achieving your goals. Even a small monthly amount will build up over time to provide you with greater financial room for manoeuvre and thus more flexibility.
Don't wait any longer – start early. To ensure the healthy growth of your assets, you need a solid basis. We can provide you with expert advice to help you make your decisions.


Asset growth including the interest effect (Monthly payment of CHF 300)

Average interest rate of 3.38%. Values rounded to closest CHF 1,000. For illustration purposes only. Past performance is not a reliable indicator of future results.


Source: UBS Fisca account from Dec. 1985 to Dec. 1, 2013

 

 


3. Plan now for your retirement

Take your future into your own hands. Saving and retirement planning are very individual. For example, you have the following options:

  • A UBS savings account – which provides you with a high degree of flexibility for making deposits and withdrawals.
  • Tax-efficient 3a saving with a UBS Fisca account – which lets you benefit from preferential interest rates and tax advantages.
  • Tax-efficient 3a investing with UBS Vitainvest – which gives you the advantge of additional returns potential.

Three options for your savings and retirement provision

Savings and retirement options under the UBS pillar 3a

Amounts in CHF. One-time investment of CHF 1,000 on December 31, 2002. Data based on actual annualized average returns from December 31, 2002, to December 31, 2012, after the deduction of fees. For illustration purposes only. Past performance is not a reliable indicator of future results.


Source: UBS

Do you want to make the most of your options? We will be happy to support you.

Issues relating to your retirement


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