Pillar 3a custody account

Higher earnings potential for your money in the third pillar

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

Already have a UBS Account?

Find the best retirement solution for you in E-Banking.

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

Good advice pays off

We’re glad to answer any questions you may have about pensions and will give you comprehensive advice – for example, on the following topics:

  • How can I invest my money to get higher returns?
  • How can I finance my own home with pension funds?
  • How can I best plan my retirement to save on taxes?

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

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:

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.