Well informed, well-prepared for retirement

Please note: To activate the investment plan or make one-time investments you require a vested benefits account and an up-to-date risk notice. (PDF, 413 KB)

Download the form

Decide whether to make a one-time investment or invest stagger with the investment plan.

Set the amount

Determine the amount you want to invest and send the signed form to the vested benefits foundation.

Start investing

We’ll notify you as soon as we receive the form and confirm your order.

To the investment plan

Make a one-time investment

How can I invest my pension savings with the vested benefits custody account?

The UBS Vested Benefits Account is the ideal complement to the vested benefits account. By investing your pension fund money in Vitainvest investment funds, you benefit from higher earnings potential in the long run. With the detailed annual wealth disclosure, you can keep an overview over your retirement savings.

Free choice between different Vitainvest investment funds
Your fund shares will be kept safe in the vested benefits custody account. You are free to decide how much you want to invest in one or several of the eleven Vitainvest Investment Funds. With an Investment plan UBS Vested Benefits Account, you can regularly invest a fixed amount from your UBS Vested Benefits Account in Vitainvest investment funds.

Good to know: Fund shares in pillar 2 normally have to be sold as soon as you've reached AHV retirement age. This is not the case with Vitainvest investment funds. You can transfer these into your free assets when you retire. This way you remain flexible in terms of when to sell the shares later.

Do I need to pay tax on my vested benefits savings?

When and how can I withdraw my vested benefits?

You can withdraw your savings no earlier than five years before you reach the statutory AHV retirement age.
Early withdrawal is possible if

you want to use your retirement savings to finance your own home (possible every five years);
you become self-employed;
you leave Switzerland permanently- (restrictions apply in EU countries, Liechtenstein, Iceland and Norway);
you receive a full invalidity pension;
your vested benefits account has a lower balance than your current annual contribution to your occupational pension plan.
In the event of the death of the account holder, the beneficiaries receive the savings.