Start your career and plan your pension smartly?

Together with your pension fund pension, the OASI should guarantee you a dignified life after you stop working by covering around 60 to 70 percent of your last salary before retirement.

But an increasingly longer period of retirement gives you scope to fulfill dreams beyond that. Acting on these dreams takes private savings and personal responsibility.

First, know your own pension situation. Check whether there are any gaps in your OASI contributions and look over your current pension fund statement, which contains important information about your pension plan. You can find out how to read and understand it correctly at ubs.com/pf-statement.

The most effective way to strengthen your personal pension provision is with a private pillar 3a pension account. You can deduct payments from your income up to the permitted maximum amount. This allows you to save on taxes today and build up additional retirement capital for your old age.

To open an account digitally, you just need a UBS Account, UBS Digital Banking and your smartphone.

1. Log in to the Mobile Banking App or your E-Banking.
2. Select “More” and/or go to “Products > Retirement.”
3. Select “Open UBS Fisca 3a account” and follow the instructions.