The UBS 3rd pillar offer


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Most of the time, the 1st and 2nd pillars are not enough to claim a standard of living in retirement similar to the one you had during your working life. That's why individual pension provision is so important. Find out more about UBS's 3rd pillar offer, which essentially consists of a pension account and a pension deposit.

UBS 3rd pillar pension account

This private individual pension model offers the opportunity to build up an attractive retirement capital, to ensure you have a comfortable financial future. With the UBS Fisca retirement account, you benefit from a number of advantages:
  • you are free to define the amounts to be paid into the 3rd pillar account, as well as the frequency of payments;
  • the annual amount paid into your account is deducted from your taxable income and you are exempt from wealth tax;
  • interest earned is tax-free ;
  • a reduced tax rate is applied to your pension assets at the time of payment;
  • account opening, maintenance and statement are free of charge;
  • you can use your UBS 3rd pillar account to purchase real estate for personal use.
The Fisca retirement account is for you if you are gainfully employed in Switzerland and contribute to the 1st or 2nd pillar. In 2024, the maximum annual contributions are CHF 7,056 for pension fund members and 20% of net income for the self-employed, up to a maximum of CHF 35,280.

The UBS 3rd pillar retirement savings account

With the UBS Fisca 3rd pillar retirement savings account, you can aim for higher returns than with the retirement savings account, over the long term. The two solutions complement each other perfectly, allowing you to combine tax-advantaged retirement savings with sustainable UBS Vitainvest investment funds. These are selected according to environmental, social and societal criteria. UBS investment funds therefore enable you to promote companies that attach importance to sustainable development, while benefiting from fluctuations in the financial markets. Investment funds can be either passively or actively managed, depending on your investment strategy. In addition, it's important to underline the fact that risks of losing money are quite possible when it comes to investing.
As a general rule, 3rd pillar investment fund units must be sold when you retire. However, this does not apply to Vitainvest investment funds, which can be transferred to your free assets. This gives you greater flexibility and the choice of when to resell.

Life insurance

This pension solution offered by Swiss Life, a partner of UBS Bank, can be complementary to the 3rd pillar pension account and deposit at UBS. On the other hand, this type of contract generally commits you for a fairly long period, whereas the provident account offers you more flexibility.
Nevertheless, life insurance offers multiple advantages, given that it covers the risks associated with death or disability and provides guaranteed annuities for life. What's more, insurance cover takes effect from the date the policy is taken out, and guaranteed repayment is possible in the case of home ownership.
Four different life insurance policies are available:
  • Swiss Life Protection, a fairly flexible solution that protects your loved ones in the event of death and provides you with an income in the event of illness or accident;
  • Swiss Life Flex Uno and Duo, if you wish above all to guarantee the amortization of your home loans, build up savings and participate in a basket of investments made up of various indices ;
  • Swiss Life Calmo, to ensure a decent standard of living after retirement and have the choice of a temporary or lifetime annuity;
  • Zurich Immo-Protect, to reduce your mortgage debt should anything happen to you and obtain capital payout in the event of death or disability.
To move forward into your future with peace of mind, consider a 3rd pillar pension solution from UBS. The Fisca account lets you save in total security, while the provident deposit is ideal for investing in investment funds. Finally, if you're looking for greater risk coverage, choose the life insurance that suits you best. For further information, depending on your own situation, please do not hesitate to contact an advisor.
Joffrey Maitre
Updated on: 31.01.2024Written by Joffrey MaitreHead of private provision department at Comparea
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