Vitainvest investment funds

Optimize your pension provision with sustainable securities

With UBS Vitainvest Investment Funds, you can invest sustainably (Sustainable Investing/SI). This will allow you not only to boost your private retirement savings, but also to do something positive for the environment and society at the same time. Read more here about our sustainable investment funds and discover how you can invest your Fisca assets.

Return opportunities

Investment solution for pillars 2 and 3 with broad diversification

Sustainability

Positive impact on the environment and society

Early withdrawal

Possible, e.g. for
buying a home

Vitainvest investment funds at a glance

  • Participation in the higher long-term earnings potential of securities investments
  • Free purchase and sale within pillars 2 and 3 (no issue or redemption commission and no custody account charges)
  • Active management by experienced and specialized portfolio managers
  • Lower risks due to broad diversification (equities, bonds and real estate)
  • Free switch to UBS custody account after retirement possible
  • Standing order for regular and automatic securities purchases

New: pursue retirement savings goals while doing something to benefit society at the same time thanks to ESG aspects (more on this in the “Why it pays off” section)

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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?

Investing sustainably at the expense of returns?

90% of all scientific studies on this topic prove that performance is either positively influenced, or not at all negatively influenced, by sustainable investing. Find out in our brochure why sustainable investing is worthwhile for you for other reasons.

Sustainable investors not only consider purely financial aspects, but also factor in what are known as ESG aspects (more on this in the “Why it pays off” section). Generating good investment returns is just as important as having a positive impact on the environment and society.

For UBS Vitainvest Funds, we therefore apply the following sustainability criteria:

  1. Activity based exclusion:
    Activity-based exclusions are applied in various areas (e.g. tobacco, coal, controversial weapons).
  2. Single company exclusions:
    The most controversial companies are excluded – independent of sector or business activity.
  3. ESG profile:
    Compared to the reference index, the portfolio places higher weight on securities that are more sustainable, i.e. the portfolio must have a higher aggregated ESG score.
  4. CO2 profile:
    It is also important that the securities we select must have an above-average CO2 profile. This means that we will only select securities with a very low CO2 footprint for Vitainvest Sustainable. Since the energy sector in Switzerland is relatively small, “UBS Vitainvest World Sustainable” has comparatively more potential.
  5. Active dialog:
    Listed companies must be able to demonstrate that they fulfill the sustainability criteria. We have developed a comprehensive questionnaire, which we use to conduct intensive dialog with the relevant external managers.

As an investor, you can make your contribution by opting for investments where positive changes are possible. This works according to the ESG principle – three letters with a lasting effect:

Environment

Traditional environmental and nature conservation concerns are taken into account here, i.e. issues such as climate change, responsible use of resources, or the conservation of animal and plant species.

Social

This includes observing human rights, minimum occupational safety standards, supplier quality or measures against discrimination, for example.

Governance

This aspect includes ethical conduct, such as fighting corruption, fairness in competition or taxation, as well as diversity, for example in the appointment of management bodies.

Investing sustainably means doing good in many ways. But how can you measure the difference you are really making with your sustainable investment? For each share class, we provide a detailed factsheet which answers precisely these questions.

It covers the following topics, based on concrete analysis data:

Sustainability profile

How strong is the fund’s average ESG profile in comparison to the reference index?

Social contribution

What contribution does the fund make to the UN’s Sustainable Development Goals in relation to the benchmark index?

Environmental impact

How high are the fund’s CO2 emissions in relation to the benchmark index?

Over of the funds, including factsheets

Learn more about each fund in the respective factsheets – which provide you with details about performance, composition, costs and fees.

Equity component: long-term average equity exposure is 100%

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.

Equity component: long-term average equity exposure is 75%

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: long-term average equity exposure is 75%

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: long-term average equity exposure is 50%

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: long-term average equity exposure is 50%

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: long-term average equity exposure is 25%

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: long-term average equity exposure is 25%

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.

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.

The essentials: on saving for retirement with investment funds

Would you like to boost your private pension plan and get more out of your savings? The following three factors will have the most impact on your wealth in retirement.

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.

Get an overview of your potential returns from investment funds:

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.