Vitainvest Investment Funds Retirement planning with first-rate investments

Participate in the developments on the financial markets with the UBS Vitainvest Investment Funds and benefit from enhanced earning potential over the long term. The funds are suitable for the entire pension provision spectrum and offer the ideal supplement to the account solution, particularly for the long investment horizon of the Pillars 2 and 3.

How Vitainvest Investment Funds work

Vitainvest invests a varying proportion of components in bonds, equities, and real estate with an emphasis on "Swiss" or "world". As an investor, you choose the fund you wish to invest in based on your preferences and risk tolerance. The investment fund is actively managed by asset management organizations in Switzerland and abroad. This gives you broad diversification across several asset managers.

Compare the performance of your pension plan with and without Vitainvest:

Performance of pension plan with and without Vitainvest

Performance of retirement planning with and without Vitainvest

Values in CHF. One-time investment of CHF 1000 on December 31, 2002. Data based on the actual annualized average returns from December 31, 2002 to December 31, 2012, after the deduction of fees. For illustration purposes only. Past performance is not necessarily a guide to future performance.

Your benefits

  • Active management – the weighting is always in line with the latest market forecasts
  • Management of the risks through a broad diversification via a variety of investment instruments
  • Buy and sell free of charge within Pillars 2 and 3
  • Flexible retirement – free-of-charge transfers to your UBS custody account open up the investment horizon

This fund invests globally in first-rate bonds, money market instruments and selected equities. Their equity weighting ranges between 7 and 17 percent. The fund’s target is to optimize earnings from interest and price gains while keeping performance as stable as possible. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 12 World

This fund invests globally in first-rate bonds, money market instruments and selected equities. Their equity weighting ranges between 20 and 30 percent. The objective is to optimize interest income and price gains. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 25 World

This fund makes broadly diversified investments in first-rate bonds, equities and real estate with an emphasis on Switzerland. Their equity weighting ranges between 20 and 30 percent. The objective is to optimize interest income and price gains. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 25 Swiss

The target of this fund is to utilize the price potential of the markets to a greater extent. It invests globally in first-rate bonds, money market instruments and selected equities. Their equity weighting ranges between 35 and 45 percent. The funds’ target is to increase capital growth by taking full advantage of price gains. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 40 World

This fund makes full use of the investment opportunities permitted by law. It invests globally in first-rate bonds, money market instruments and selected equities. Their equity weighting ranges between 43 and 50 percent. The funds’ target is to increase capital growth by taking full advantage of price gains. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 50 World

This fund makes full use of the investment opportunities permitted by law. It invests in first-rate bonds, money market instruments and selected equities with an emphasis on Switzerland. Their equity weighting ranges between 43 and 50 percent. The funds’ target is to increase capital growth by taking full advantage of price gains. The portfolio's equity weighting is kept within the selected bandwidth to take account of the investor's risk profile.

Target composition of UBS Vitainvest 50 Swiss

This fund can benefit more strongly from the opportunities of the equity markets, as the equity weighting ranges between 70 and 80 percent. It also invests in the asset classes of bonds, money market and real estate with a predominantly global focus.

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

Target composition of UBS Vitainvest 75 World

This fund can benefit more strongly from the opportunities of the equity markets, as the equity weighting ranges between 70 and 80 percent. It also invests in the asset classes of bonds, money market and real estate with a predominantly global focus.

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

Target composition of UBS Vitainvest 75 Swiss

We will hold a meeting with you to analyze your financial circumstances as well as your risk tolerance and your interest in the financial markets, on the basis of which we find the optimum Vitainvest solution for you. 

Video: UBS Vitainvest in a nutshell (02:53 min.)

Risks

The value of the funds can fluctuate due to their equity exposure. Fund values may also be affected by interest rate changes due to the bonds in the portfolio. Moreover, the fund value depends on fluctuations in the real estate value and interest rate trends as well as their impact on rental income, plus other market-specific and legal factors (e.g. liquidity). The fund may use derivatives, as a result of which there may be additional risks (e.g. counterparty risk). Every investment is subject to market fluctuations. Each fund is subject to specific risks, which may increase markedly in unusual market conditions. That is why investors need to have the required risk tolerance and risk-bearing capacity.

Interested investors are advised to read the Key Investor Information Document and the detailed sales prospectus for comprehensive information on the funds including investment risks, applicable fees and other important information.

Also of interest to you

Pillar 3a maximum contribution for 2017

Guide: Retirement planning summary

Calculate tax savings