Restricted pension provision with Pillar 3a.

Many find that their AHV savings and pension fund are insufficient to maintain their accustomed standard of living after retirement. A Pillar 3a pension account gives you the option of accumulating additional retirement capital with preferential tax treatment.

As an employed person with a pension fund, you can pay up to CHF 6, 768 into your restricted pension provision annually As an employed person without a pension fund, you can pay up to 20% of your net income from employment, up to a maximum of CHF 33, 840 (as at 2015).

For example, if you have a taxable income of CHF 75,000, you save almost CHF 200 in tax on every CHF 1000 you pay in.

Your benefits

  • Secured standard of living after retirement
  • Attractive preferential interest rate
  • Tax savings
  • Withdrawal options to finance your own home or become self employed

You can find valuable information and clear answers to your questions in our factsheets.

Fisca account 

The UBS Fisca account is a simple solution for your Pillar 3a retirement planning. Supplement your AHV and pension fund benefits in line with your individual requirements in order to help you to maintain your standard of living after you’ve retired and save taxes at the same time.

Fisca custody account 

The Fisca custody account is the ideal complement to the Fisca account. The long investment horizon of Pillar 3a allows you to take advantage of the UBS Vitainvest Investment Funds and benefit from enhanced earnings potential that is greater than the interest rate of a Fisca account.

UBS Vitainvest Investment Funds

Vitainvest Investment Funds allow you to participate in the developments on the financial markets and to benefit from enhanced earning potential over the long term. The funds are suitable for the entire pension provision spectrum. The UBS Vitainvest Investment Funds offer the ideal supplement to the account solutions, especially for the long investment horizon of Pillars 2 and 3.

Benefits from the Pillar 3a restricted retirement savings account cover only part of your retirement provision. The Pillar 3b unrestricted pension plan ensures that you can also protect yourself against a wide variety of risks. We would be happy to provide you with advice in a personal consultation and together plan your individual pension solution.

Retirement planning hotline

0800 002 983*

Monday to Friday, 8.00 a.m. to 6.00 p.m.

* Toll-free number. Exceptions: some telecommunication providers may charge if calls are made from a mobile phone, a telephone booth, or from abroad.