Question 1

Vitainvest 100 World Sustainable

Accepted Answer

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.

Question 2

Vitainvest 75 Swiss Sustainable

Accepted Answer

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.

Question 3

Vitainvest 75 World Sustainable

Accepted Answer

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.

Question 4

Vitainvest 50 Swiss Sustainable

Accepted Answer

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.

Question 5

Vitainvest 50 World Sustainable

Accepted Answer

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.

Question 6

Vitainvest 25 Swiss Sustainable

Accepted Answer

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.

Question 7

Vitainvest 25 World Sustainable

Accepted Answer

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.

Question 8

Vitainvest Passive 100 Sustainable

Accepted Answer

Equity weighting: long-term average equity exposure of 100%

The fund-of-funds invests indirectly, mainly in equities worldwide via indexed investment funds. 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 suitable for investors with a long-term investment horizon and the necessary risk tolerance and willingness to invest in equities.

Question 9

Vitainvest Passive 75 Sustainable

Accepted Answer

Equity weighting: long-term average equity exposure of 75%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 75%).

The fund is suitable for investors with a long-term investment horizon and the necessary risk tolerance and willingness to invest in equities.

Question 10

Vitainvest Passive 50 Sustainable

Accepted Answer

Equity weighting: long-term average equity exposure of 50%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 50%).

The aim is to increase capital growth by taking advantage of price gains. In doing so, the equity portion of the portfolio is kept within the specified range in order to take account of the investors' risk profile.

Question 11

Vitainvest Passive 25 Sustainable

Accepted Answer

Equity weighting: long-term average equity exposure of 25%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 25%).

The aim is to optimize interest income and price gains. In doing so, the equity portion of the portfolio is kept within the specified range in order to take account of the investors' risk profile.

Question 12

How do time, returns and consistency affect your retirement planning?

Accepted Answer

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:

¹ Amount based on the past long-term performance of a diversified portfolio investing in a balanced mix of equities and bonds.
For illustration only.

Question 13

How did UBS pension products perform compared to competitors over different time periods (in %)?

Accepted Answer

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.

Question 14

What are the criteria for Vitainvest investment funds?

Accepted Answer

For sustainable investors, it’s not only the financial aspects that are important. ESG criteria (E=Environment, S=Social, G = Governance/good corporate governance) – are key too.

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

Activity based exclusion:
Activity-based exclusions are applied in various areas (e.g. tobacco, coal, controversial weapons).
Single company exclusions:
The most controversial companies are excluded – independent of sector or business activity.
ESG profile:
Compared with the benchmark index*, the portfolio allocates more weight to companies that are more sustainable, i.e. the aim is to achieve a portfolio that has a higher overall ESG rating than the benchmark index*.
CO₂profile:
Most of the stocks we selected have a CO₂ profile that is better than average. This means that, compared with the benchmark index* for Vitainvest Sustainable, we prefer stocks with a lower CO₂ profile, as measured by CO₂ intensity. Since the energy sector in Switzerland is relatively small, “UBS Vitainvest World Sustainable” has comparatively more potential.
Active dialog:
Voting rights at selected companies and, in the case of actively managed funds an active dialog to improve companies' sustainability profile.

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