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: 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.

Open a pension account online

Pay in flexibly, save on taxes and invest your retirement savings

Start saving for retirement today

Provide for your future

Open your retirement savings account directly in the Mobile Banking App.

Save on taxes by deducting your deposits from your taxable income.

Decide for yourself when, how much and for how long you want to pay in – the easiest way is by standing order.

Optional: Invest your retirement savings and benefit from potentially higher returns.

Save on taxes with pillar 3a

The more you pay in annually, the greater your tax savings.

You can pay a set amount into your pillar 3 account each year.
By deducting your deposits from your taxable income, you save on taxes.
The maximum amount in 2023 is CHF 7056 (for insured persons with a pension fund).

So you can sit back and relax later in life

Manage everything digitally

As a UBS client, you can open your pillar 3a account directly in the Mobile Banking App in just a few minutes.
Decide for yourself when and how much you want to pay in.
Set up a standing order to make automatic deposits.
Your pension plan is fully integrated into the Mobile Banking App.
<picture class=""><source srcset="/content/sites/ch/en/private/pension/pillar-3/key4/jcr:content/mainpar/toplevelgrid/col1/tabteaser/tabteasersplit/innergrid/xcol2/textimage_copy_18892/image.img.png" media="(min-width: 1280px)"/><source srcset="/content/sites/ch/en/private/pension/pillar-3/key4/jcr:content/mainpar/toplevelgrid/col1/tabteaser/tabteasersplit/innergrid/xcol2/textimage_copy_18892/image.img.png" media="(min-width: 1024px)"/><source srcset="/content/sites/ch/en/private/pension/pillar-3/key4/jcr:content/mainpar/toplevelgrid/col1/tabteaser/tabteasersplit/innergrid/xcol2/textimage_copy_18892/image.img.png" media="(min-width: 768px)"/><source srcset="/content/sites/ch/en/private/pension/pillar-3/key4/jcr:content/mainpar/toplevelgrid/col1/tabteaser/tabteasersplit/innergrid/xcol2/textimage_copy_18892/image.img.png"/><img class="" src="" alt/></picture>

Invest for higher returns

An optional custody account is the ideal complement to a retirement savings account.
Your retirement savings are invested through Vitainvest Investment Funds in stocks, bonds and real estate.
We recommend suitable investment solutions, or you choose for yourself.
You’ll not only save on taxes, but also benefit from potentially higher returns.

What’s more: You can adjust your investment solution at any time.

Discover our Vitainvest Investment Funds

Get started with three simple steps

Open account

Open a pillar 3a account directly in the Mobile Banking App.

Select a pension solution

Choose whether you want to invest your retirement assets. We can recommend various investment solutions to you, or you can choose for yourself.

Set up a standing order

Set up a standing order with the desired savings amount. It’s a convenient way to save and the standing order can be stopped or paused as necessary.

Start planning your retirement today

Already a UBS client?

It’s easy:

Open your Mobile Banking App
Tap “More” in the navigation bar
Select “Products” in the “Products & services” menu
Tap the “Retirement” tile

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

More about UBS key4 banking

You can also start your retirement plan directly in E-Banking

Open now: E-Banking login

FAQ

Expand all panels

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).

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 pre-defined 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?

Do you still have questions?

Switch to the help area

Skip Links

UBS key4 pension 3a

Provide for your future

Save on taxes with pillar 3a