Pillar 3
Enjoy a worry-free retirement
AHV and the pension fund alone are usually not enough to secure your customary standard of living when you retire. We offer you two pillar 3 solutions for retirement provision which benefit you now and later.
Pillar 3 at a glance
- More money in retirement: Improve your benefits by using pillar 3 to avoid income gaps.
- Save taxes by contributing the maximum: you can deduct the maximum amount from your taxable income. Learn more about the maximum contribution in 2023.
- Variable payments: You decide how much you pay into pillar 3.
- Advance withdrawal for your own home: If you yourself reside in the property, you can use money from pillar 3 for the financing or amortization.
- Flexible at retirement: You can already withdraw your savings five years before reaching the AHV retirement age.
Pillar 3 is comprised of pillars 3a (restricted pension plan) and 3b (unrestricted pension plan). Your voluntary payments into the pillar 3a are tax-deductible.
Start planning your retirement today
Already a UBS client?
It’s easy:
Via Mobile App
- Open your Mobile Banking App
- Tap “More” in the navigation bar
- Select “Products” in the “Products & services” menu
- Tap the “Retirement” tile
Via E-Banking
Are you new to UBS?
First open UBS key4 banking via the Mobile Banking App and then choose your retirement solution – just download the App and get started.
- Scan the QR code to download the Mobile Banking App
- Confirm your identity over a video call (with your ID or passport)
- Sign the contracts directly in the App
- Set up your login via the Access App
- Select “Retirement” under “Products” and get started