3a retirement funds

Benefit from opportunities for higher returns by saving for retirement with securities. The best way to profit is with a retirement fund. Take a look at our page that deals with everything about saving for retirement, and find the right retirement fund for you.

Your benefits at a glance

  • Higher potential for returns compared to the 3a retirement
    account or the vested benefits 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 over 30 retirement funds offered by six different providers
  • Investments can be made starting from CHF 1 000
  • A simple all-in fee of 0,5% per year
  • Retirement funds with equity allocations of up to 100%

Free choice of the best funds

With our open-ended 3a retirement savings, 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 equity allocations of up to 100%.

The highest level of transparency and outstanding conditions

With the open-ended 3a retirement savings, 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.

Find the perfect 3a retirement fund for you

At cic.ch/retirement-savings you can easily find out what is the perfect retirement fund for you. When making the selection the focus is on your personal risk appetite and planned investment horizon.

Retirement funds by theme

With retirement savings offering of Bank CIC, you can invest in areas that are important to you. Here you will find the individual retirement funds which invest in areas such as sustainability, real estate or commodities. A retirement fund can include several themes.

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Real estate
Sustainability
Commodities

Retirement fund by provider

Here you will find a complete selection of retirement funds sorted by provider.

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Bâloise Investment Foundation
Credit Suisse Investment Foundation
J. Safra Sarasin Investment Foundation
Swisscanto Investment Foundation / Swisscanto Invest
Swiss Life Investment Foundation
UBS Investment Foundation / UBS Vitainvest Funds

*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.

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