Vitainvest investment funds

Optimize your pension provision with securities

With Vitainvest investment funds, you participate in the development of financial markets, which offers you higher return opportunities in the long term.

Return opportunity

Investment solution for pillars 2 and 3

Broad diversification

Investment in bonds,
stocks, real estate

Early withdrawal

Possible, e.g. for
buying a home

Vitainvest investment funds at a glance

  • Free purchase and sale within pillars 2 and 3
  • Active management based on current market assessments
  • Lower risks through broad diversification across different asset classes
  • Free switch to UBS custody account after retirement possible

Would you like to give your private pension plan a boost and make your savings work harder? There are three main factors that will impact your wealth in old age.

Time
The sooner you start saving for your retirement, the easier it will be to build up a retirement fund, even if you only pay in small amounts every year. There’s no time to lose: secure your annual tax advantages now.


Returns
The lower the interest rate, the lower the return on your pension contributions. But if you choose investment funds, you’ll enjoy a higher return in the long term.


Regular contributions
It’s hard to choose the right moment to make an investment, so why not invest the same amount on a regular basis, e.g., every month? When prices are high, the amount will only be sufficient to buy a few securities, but if they fall, you’ll automatically acquire a higher number. In the long term, the average acquisition price will be lower.

Vitainvest investment funds achieve higher returns over the long term than with the pillar 3a retirement savings account, but are subject to market fluctuations.

A comparison of the performance of similar investment products and the pillar 3a account shows that UBS Vitainvest investment funds perform well over the long term. This is also confirmed by independent research and rating agencies, which award prizes every year to funds that produce first-class returns.

You can choose from eight funds with either a “Swiss” or “World” focus. Which fund you choose depends on your personal investment strategy and risk tolerance.

You can also invest your money in several funds or switch to another fund.

Performance of UBS Vitainvest investment funds

In the video, you’ll find out more about the current performance of the Vitainvest investment funds as well as the following topics:

  • The effect of geopolitical events on performance.
  • The influence of the most important central banks and economic indicators.
  • How stocks, bonds and alternative investments such as hedge funds have performed.

Subscribe to the reminder service for our video analyses.

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:

  • 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 with pension funds?
  • How can I best plan my retirement to save on taxes?

Equity component: 20 to 30 percent

This fund invests globally in first-class bonds, money market instruments and selected stocks.

The aim is optimizing interest earnings and price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Equity component: 20 to 30 percent

This fund invests in broadly diversified first-class bonds, stocks and real estate with a focus on Switzerland.

The aim is optimizing interest earnings and price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Equity component: 43 to 50 percent

This fund can take great advantage of the potential of stock markets worldwide. Investments are made globally in first-class bonds, money market instruments and selected stocks.

The aim is increased capital growth by exploiting price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Equity component: 43 to 50 percent

This fund can make the most out of the stock markets’ potential. Investments are made in first-class bonds, money market instruments and selected stocks with a focus on Switzerland.

The aim is increased capital growth by taking advantage of price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Equity component: 70 to 80 percent

This fund fully exhausts the potential of the stock market in accordance with legally permitted investment opportunities. Investments are also made in bonds, money markets and real estate, with a majority of the investments being global.

The fund is ideal for investors who have a long- term investment horizon and bring the necessary risk capacity and appetite for equity investments.

Equity component: 70 to 80 percent

This fund fully exhausts the potential of stock markets in accordance with legally permitted investment opportunities. Investments are made with a focus on Switzerland and also in bonds, money markets and real estate.

The fund is suitable for investors who have a long -term investment horizon and bring the necessary risk capacity and appetite for equity investment.

Equity component: 95 to 100 percent

The fund primarily invests in global equities. The equity allocation is usually around 95%, up to a maximum of 100%. This makes it possible to fully exhaust the potential offered by the equity markets within the options provided by the law.

The fund is ideal for investors who have a long- term investment horizon and bring the necessary risk capacity and appetite for equity investments.