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

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

  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

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

Get pension advice

1 hour well spent

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?

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.