Pillar 3a retirement savings account

Save for retirement and on taxes

By paying regularly into a 3a account, you can save on taxes while building up capital for your retirement. The UBS retirement account is free of charge.

Save independently

You decide when and how much you want to pay into your pillar 3a account

One login for everything

With UBS you manage all your banking digitally – including your retirement plan

Easy tax savings

Deduct your deposits from taxable income

Already a UBS client?

Open your pillar 3a retirement savings account directly in e-banking at "Products > Pension planning”.

Prefer smartphone?

You can find pension products in the Mobile Banking App under "Settings > Products > Products & services > Pension planning".

Not yet a UBS client?

Save time at your branch: make an appointment to open your account.

You decide when and how much you want to pay into your pillar 3a account.

Did you know that you can also invest your retirement savings?
Benefits of a custody account:

  • Ideal complement to your 3a account
  • Potential higher returns
  • Free custody account management
  • Flexible and sustainable investment opportunities

The following maximums apply in 2021:

  • For beneficiaries with a pension fund: CHF 6,883
  • Without a pension fund: CHF 34,416 (max. 20% of net income)

Payments into pillar 3 pay off twofold: not only are you saving for the future, but you can already save on your taxes today. It’s simple – the more you pay in annually, the more taxes you save.

Changes for persons subject to withholding tax, as of 2021

As of the tax year 2021, applications to correct withholding tax on additional deductions (e.g., purchases into pillar 2, contributions in pillar 3a or debt interest) can no longer be submitted.

Unlike the pillar 3a retirement savings account, a custody account invests your money in UBS Vitainvest Investment Funds, allowing you to benefit from growth in the financial markets.

Good to know: You would normally have to sell your fund shares in pillar 3a as soon as you are eligible for AHV income. However, this is not the case with UBS Vitainvest Investment Funds. You can transfer these to your custody account when you retire. This way you stay flexible about when you want to sell.

Manage your retirement plan in the same place as your other banking – your Digital Banking lets you see everything at a glance. For example, you can view the tax certificate for your pillar 3a account or open another retirement account in a few steps.

How to open a retirement account in Digital Banking*:

*Have you already set up several UBS retirement accounts and/or a Fisca standing order? Great! Then you can skip the steps in the video and speak directly with your CA about how you can optimize your retirement plan.

We’re always there for you, even if things get complicated. Our retirement experts are happy to answer your concerns.

Further information about retirement planning is available here:

Our tip: Sustainable investing pays off

Paying into a retirement account is a good idea. But if you invest your retirement savings you stand to benefit from higher long-term potential returns. Invest your retirement savings in our sustainable UBS Vitainvest Funds. Not only will you strengthen your private retirement plan, you’ll be doing good for society and the environment.

The graph below shows how potential returns have performed over the last 15 years.

Looking at the performance of UBS Vitainvest Investment Funds, it is clear that they generated significantly higher long-term returns than the pillar 3a retirement savings account. However, they are vulnerable to market fluctuations.

Performance of UBS Vitainvest investment funds

The indexed performance represents an investment of CHF 100 at launch. The performance allows you to better compare share classes/investment funds.

The graph also shows that the cumulative performance of the share class Vitainvest World 25 SI U from 21 January 2006 (launch) to 31 December was just over 50%.

Data on 31 December 2020. This information is based on past performance. Past performance is not a reliable indicator of future results. The performance displayed in the graph does not consider any commissions or costs levied on share subscription/redemption.