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
  • 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
  • Opportunity for higher returns thanks to a selection of
    retirement funds with equity allocations of up to 80%

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 80%.

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.

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 Dyn. Allocation 0-40 34387912 0-40%

Balanced
 

BVG-Mix Dyn. Allocation 0-80

 

43200504 0-80% Dynamic
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
 

Mixta-BVG Index 75 38261472 75% Equities

 

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%

Equities

 

Swiss Life Investment Foundation

 

Anlageprodukt Valoren-Nr. % Aktien Anlagestrategie

BVG - Mix 15

1564965

15%

Conservative

BVG - Mix 25 1245601 25%

Balanced

BVG - Mix 35 1245606 35%

Balanced

BVG - Mix 45 1245607 45%

Dynamic

BVG - Mix 75 48583002 75%

Equities

 

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%

Equities

Vitainvest 75 Swiss U

 

29317503 75%

Equities

*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.