Pillar 3a custody account

*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 6,883 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.

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.

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.