UBS key4 pension 3a

Q: Do I require a separate app for UBS key4 pension 3a?

No, you will find the UBS key4 pension 3a offer in your Mobile Banking App or in E-Banking. Open your Mobile Banking App. Navigate under “More” to “Products.” Select “Find solution” under “Retirement.”

Q: Who sets the maximum contribution?

The maximum contribution to pillar 3a is set annually in October by the Federal Social Insurance Office. The following applies for 2023: CHF 7056 for insured persons / employees with a pension fund. Self-employed persons without a pension fund can pay in a maximum of CHF 35 280 or 20 percent of their net income.

Q: What makes up the price of the new investment solution UBS Vitainvest Passive SI by UBS key4?

The annual costs consist of the ongoing costs of the fund (0.25% p.a.) and a management fee of 0.5% p.a. charged directly to the retirement savings account. Thus, total costs amount to 0.75% p.a.

Q: Can I transfer the UBS Vitainvest Passive SI by UBS key4 investment fund to my free assets?

No, the “by UBS key4” unit classes cannot be transferred to your free assets upon retirement (and for all other reasons giving rise to cash disbursement such as AHV, IV, starting your own business and when permanently leaving Switzerland or working as cross-border commuters). The shares must therefore be sold.

Your benefits with pillar 3a

You benefit in the long term

Paying into an investment solution increases your chances of a return in the long term.

You save on taxes

Your deposits can be deducted from your taxable income. The more you pay in, the more you save, so we suggest you deposit the maximum amount each year, if you can.

You stay flexible

If necessary, you can withdraw your pension savings before you retire, e.g., to buy a home.

A head start for the future

Pillar 3a tax savings: calculate now

Start retirement planning and win a voucher

Here’s how

Open a UBS key4 pension 3a retirement account before 31 December 2023.
With a little luck, you could win a Galaxus voucher worth CHF 500.

Register for the contest

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Date31 Dec 2023, 00:00 GMT

Invest with UBS key4 pension 3a

Smartphone with initial screen for opening a 3a pension solution.

Open your pension account in the Mobile Banking App
Save on taxes and decide for yourself how much you pay in
Invest your pension savings for potentially higher returns

The right time to get started? Now

Specify your needs

Answer just a few questions to find out which pension solution is right for you.

Discover our recommendations

We suggest various solutions and you select the one that suits you and your life.

Open your pension solution

Open the pension solution directly in the app and select how much and how often you want to pay in.

Already a UBS client?

Activate via mobile app

Activate via E-Banking

Are you new to UBS?

First open UBS key4 banking via the Mobile Banking App and then choose your retirement solution.

Scan the QR code

Follow the instruction here

FAQ

What is UBS key4?

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 Credit or Prepaid Card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

Do I require a separate app for UBS key4 pension 3a?

Which pension products can I find online?

You could opt for a traditional account solution. If you want to benefit from higher potential returns, there are two share classes in our UBS Vitainvest Funds family to choose from:

UBS Vitainvest Passive SI by UBS key4: the new, cost-optimized passive share class
UBS Vitainvest World/Swiss SI: the (existing) active fund range

Each class allows you to choose different equity proportions (25/50/75/100).

Who sets the maximum contribution?

What are the differences between an actively and a passively managed fund?

Actively managed funds

Actively managed funds try to outperform a given benchmark index by intentionally deviating from the reference index when selecting securities based on the fund manager’s analyses and opinions.
Appropriate adjustments are also made depending on an assessment of the market. The analysis around “active intervention” is associated with costs.
This is why these funds usually have higher fees. Yet they present higher potential returns compared to passively managed funds.

Passively managed funds

Passively managed funds are always based on an index.
This means that investment decisions are not based on analyses and opinions. Rather, the performance of the fund emulates a predefined benchmark.
Passively managed funds thus entail lower costs than actively managed funds. However, they also do not offer additional, higher potential returns.

What makes up the price of the new investment solution UBS Vitainvest Passive SI by UBS key4?

Can I transfer the UBS Vitainvest Passive SI by UBS key4 investment fund to my free assets?

UBS key4 pension 3a help section

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UBS key4 pension 3a