Pillar 3a retirement savings account

Save regularly for your retirement and save on taxes

Income from the AHV and your pension fund, i.e., pillars 1 and 2, will generally not be enough to maintain your current standard of living in retirement. Pillar 3a is a way of boosting your retirement savings – with added benefits today.

Save independently

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

Higher earnings potential

Your money does not earn interest, but is invested in UBS Vitainvest investment funds

Easy tax savings

Deduct your deposits from taxable income

Start planning your retirement today

Already a UBS client?

It’s easy:

Via Mobile App

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

Via E-Banking

Open E-Banking login

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.

  1. Scan the QR code to download the Mobile Banking App
  2. Confirm your identity over a video call (with your ID or passport)
  3. Sign the contracts directly in the App
  4. Set up your login via the Access App
  5. Select “Retirement” under “Products” and get started

UBS key4 pension

Save with UBS key4 pension 3a

  • 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

First job? Saving for retirement is worthwhile – for you too!

Answer just a few questions and receive pension tips tailored to your individual situation.

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, but also support sustainable investing.

Performance of UBS Vitainvest investment funds

A look at the performance of UBS Vitainvest Funds shows that, in the long term, UBS Vitainvest Investment Funds generate substantially higher returns than the pillar 3a retirement savings account – but are susceptible to market fluctuations.

The interactive graph below shows how return opportunities have performed over the past 15 years. Select one or more funds and compare the capital growth with the pillar 3a retirement savings account.

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.