Pillar 3a custody account with investment funds

The Fisca custody account is the pillar 3a custody account of UBS. Your money is invested in sustainable Vitainvest Investment Funds, allowing you to benefit from developments on the financial markets while supporting sustainable investing.

Save on taxes

Payments into pillar 3a are deductible from taxable income

Higher earnings potential

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

Advance withdrawal

Possible, for example when buying your own home or becoming self-employed

Pillar 3a custody account at a glance

Flexible payments – date and amount can be freely selected within the limit set by the maximum amount
Flexible use of funds upon retirement
Choice between actively and passively managed funds. The multi-manager approach allows for additional diversification (actively managed funds only)
Higher returns compared to a pillar 3a custody account

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

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.

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

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

Start saving online

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Grandparents helping their grandchildren

With the UBS Retirement Plan, our specialists work with you to draw up a concrete plan of action and answer your questions about retirement. For example:

Will I have enough money when I retire?
How can I invest my money to get higher returns?
How can I finance my own home using my retirement savings?
How can I best plan my retirement to save on taxes?

Make an appointment

Returns in comparison

In contrast to the pillar 3a pension account, your money is invested with the custody account in Vitainvest investment funds. This allows you to benefit from performance in the financial markets.

An example to illustrate:

Notes on the sample calculation

*Calculations are based on the current interest rate of the UBS Fisca account as well as the following assumptions: a person has paid the maximum annual amount of CHF 7056 into pillar 3a for 20 years. An early withdrawal of retirement assets is not included in the calculations.

**Calculations are based on the UBS Expert Opinion, which envisages a reduction in the equity component and therefore a lower risk of loss over the investment horizon. The expected annual return assumed for the calculation of capital growth is based on gross values before fees and taxes. Calculations are based on the following assumptions: investment horizon of 20 years and full investment of existing retirement assets and future annual payments. An early withdrawal of retirement assets is not included in the calculations. Past performance is not a reliable indicator of future results. The performance shown does not take into account any commissions and costs for the subscription and redemption of shares. Commissions and costs have a negative impact on performance. The information in this document is provided without any warranty or guarantee, is for information purposes only and is intended solely for the recipient's personal use. While these forward-looking statements represent our judgments and expectations concerning the future development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations.

Would you like to benefit from Vitainvest Sustainable Funds?

UBS Vitainvest Investment Funds not only allow you to boost your private retirement savings, but also to do something good for society and the environment. You can invest sustainably with both actively and passively managed funds. Your choice of fund depends on your investment strategy and risk tolerance.

More about Vitainvest Sustainable Funds

Pillar 3a custody account in detail

A custody account is the ideal complement to a retirement savings account – because saving for retirement with funds offers higher returns over the long term compared to a savings account. Your money is invested in UBS Vitainvest investment funds, which allows you to combine the tax advantages of retirement savings with investment funds.

Find out in the video about the long-term benefits of investing your pension assets in Vitainvest Investment Funds.

Watch the video

Flexible payments

A custody account gives you flexibility: In line with your investment strategy and within the legal requirements, you can buy or sell fund shares. However, this is subject to a maximum amount, which is set annually by the Swiss Federal Department of Social Security.

Good to know: You normally have to sell pillar 3a fund shares as soon as you reach the AHV retirement age. This is not the case with Vitainvest Investment Funds. You can transfer them to your free assets when you retire. This lets you stay flexible, as you can sell the shares at a later date.

Interest rates

Save taxes with the pillar 3a custody account

With a pillar 3a custody account, you can save on taxes several times over:

You can deduct the annual paid-in amount from taxable income.
The assets saved up are exempt from wealth tax until maturity.
Interest and capital gains are exempt from income tax.
When your retirement savings are paid out, they are taxed separately from income at a reduced rate.
By staggering your 3a withdrawals, you can keep your tax rate even lower.

Find out more about staggered withdrawals

Finance home ownership with 3a assets

The state counts your own home as part of your retirement provision. This lets you use assets from pillar 3a before reaching AHV retirement age to finance the purchase of a home – though only if you move into the house or apartment yourself.

In terms of financing, you have the following options:

You can pledge your retirement capital as collateral for your mortgage.
You can withdraw your retirement capital and thus increase your equity when purchasing the residential property – or you can use it to pay off an existing mortgage.

You can also use the amount you've paid in annually to the custody account to indirectly amortize the debt on the mortgage.

We’ll gladly show you in detail how you can finance your own home with retirement assets.

Make an appointment

Withdrawal options for retirement

In principle, the capital you hold in a custody account is bound by law until you retire – and the soonest you can access it is five years before you reach the AHV retirement age. Early withdrawal, however, is possible if you

buy or build your own home, which you move into yourself;
would like to pay back debt on a mortgage for a residential property you live in yourself;
become self-employed;
leave Switzerland permanently;
buy into a pillar 2 pension fund;
draw a 100% benefit from the Swiss Federal Invalidity Insurance and the invalidity risk is not insured.

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Pillar 3a custody account

Save on taxes

Higher earnings potential

Advance withdrawal

Pillar 3a custody account at a glance