3a investment savings plan

Increase the long-term return on your pension assets.

Your benefits at a glance

  • Higher potential for returns compared to the 3a retirement account
  • Fund units can be bought, changed or redeemed free of charge and without incurring brokerage fees at any time
  • Lower fund costs thanks to institutional fund tranches with reduced management fees
  • Selection from among 31 retirement funds offered by six different providers
  • Investments can be made starting from CHF 3 000
  • A simple all-in fee of 0,5% per year
  • Opportunity for higher returns thanks to a selection of
    retirement funds with 75% share capital

Free choice of the best funds

With our open-ended 3a securities savings plan, we are the only Swiss bank to offer you selected BVG funds from a range of different cooperating partners. You can also opt for retirement funds with an equity component of 75%.

The highest level of transparency and outstanding conditions

With the open-ended securities savings plan, you invest exclusively in the institutional tranche of the investment fund of your choice. This means that you benefit directly from a much lower management fee than is traditionally the case, which has a positive effect on fund performance. You do not pay any acquisition or redemption fees on fund units. We do not collect any retrocessions from these funds. The simple, transparent service fee of 0.5% p. a.* allows you to have your costs under control at all times.

Bâloise Investment Foundation

 

Investment product

Securities no.

% equities

Investment strategy

BVG-Mix 15 Plus R 12424959 15%

Conservative
 

BVG-Mix 25 Plus R 12424966 25%

Balanced
 

BVG-Mix Dynamic Allocation R 34387912 0-35%

Balanced
 

BVG-Mix 40 Plus R 12424973 40%

Dynamic
 

 

Credit Suisse Investment Foundation

 

Investment product

Securities no.

% equities

Investment strategy

Mixta-BVG Basic I 1503660 0%

Conservative
 

Mixta-BVG I 2733319 35%

Balanced
 

Mixta-BVG Index 45 I 11269573 45%

Dynamic
 

 

J. Safra Sarasin Investment Foundation

 

Investment product

Securities no.

% equities

Investment strategy

BVG-Ertrag A 2455689 15%

Conservative
 

BVG-Rendite A 1016859 25%

Balanced
 

BVG-Nachhaltigkeit Rendite A 3543791 25%

Balanced
 

BVG-Wachstum A 287401 35%

Balanced
 

BVG-Nachhaltigkeit A 1016862 38%

Balanced
 

BVG-Zukunft A 2455731 45%

Dynamic
 

 

Swisscanto Investment Foundation / Swisscanto Invest

 

Investment product

Securities no.

% equities

Investment strategy

BVG 3 Portfolio 10 RT 23805195 10%

Conservative
 

BVG 3 Portfolio 25 RT 23805270 25%

Balanced
 

BVG 3 Portfolio 45 RT 23805297 45%

Dynamic
 

BVG 3 Oeko 45 RT 23804772 45%

Dynamic
 

BVG 3 Index 45 RT 23804645 45%

Dynamic
 

BVG 3 Dynamic 0-50 RT 23804622 0-50%

Dynamic
 

Swisscanto (CH) Vorsorge Fonds 75 Passiv – VT 35369090 75% Aktien

 

UBS Investment Foundation / UBS Vitainvest Funds

 

Investment product

Securities no.

% equities

Investment strategy

BVG-12 Indexiert (hedged in CHF) I-A1 11764374 12%

Conservative
 

BVG-25 Aktiv Plus I-A1 11764240 25%

Balanced
 

BVG-25 Indexiert (hedged in CHF) I-A1 11764415 25%

Balanced
 

BVG-40 Aktiv Plus I-A1 27399787 40%

Dynamic
 

BVG-40 Indexiert (hedged in CHF) I-A1 27400346 40%

Dynamic
 

Vitainvest 75 World U 29317460 75% Aktien
Vitainvest 75 Swiss U 29317503 75%

Aktien

*Minimum CHF 50. The fee is charged annually on 31 December or, in the event of liquidation, is debited from the 3a retirement account. The fee is calculated based on the respective custody account assets on the 25th of the month. Clients domiciled in Switzerland or Liechtenstein must pay VAT in addition to the service fee.