Pension solutions
Be sure your pensions are on solid ground
At VZ, pillar 3a pensions are a flexible securities solution for cost-conscious investors. You benefit from up to 60 percent lower fees, which over the years can result in additional returns of thousands or even tens of thousands of francs. Optimise your pillar 3 coverage by transferring your pillar 3a assets to VZ. When it comes to your vested benefits assets, VZ also offers a wide range of account and investment opportunities.

A pillar 3a with VZ is one of the most attractive pension solutions involving securities
Pillar 3a with index investments: build up assets and save on taxes
At VZ, you can invest your pillar 3a assets in the best index funds. Thanks to the lower fees, you can generate additional returns of thousands or even tens of thousands of francs over the years. Due to its flexibility, you can tailor your pillar 3a account with index investments to your personal risk tolerance and structure it online according to your preferences at any time.
How does the pillar 3a account with index investments work?
VZ offers a pillar 3a account with a definable equity component of between 15 and 97 percent. The remaining part is invested in fixed-income assets, real estate, commodities and specialities. To implement the investment strategy, we make use of cost-effective index funds in practically all asset classes.
You can log in to the VZ Financial Portal at any time and access your 3a account, where you can quickly and easily restructure your investments. Reduce your equity weighting, for example, when you expect prices to fall and increase it again once the outlook is brighter.
Why ETFs in a pillar 3a solution?
ETFs and other index funds aim to identically replicate an index such as the SMI or Dow Jones. For private investors in particular, they are an attractive asset class whose advantages are fully leveraged in the pillar 3a:
- Low fees: ETF and other index funds are cost-effective because unlike traditional, actively managed funds, they do not require any expensive fund management
- Protection in the event of insolvency: money invested in index funds remains the property of the investors even if the issuer becomes insolvent
- High level of transparency: you can see where your money is invested at all times
- Diversification: ETFs and other index funds invest in various different regions, countries, sectors, themes and asset classes, which lowers risk
Who is a pillar 3a account with index investments suitable for?
It is essential for working people to build up their assets for when they retire. A pillar 3a account with index investments is an intelligent investment solution for cost-conscious investors who want to make the most of the opportunities offered by private pensions.
What does a pillar 3a account with index investments cost?
Many providers charge fees that sometimes amount to 1.5 percent for pillar 3a securities solutions. At VZ, the management fees amount to just 0.68 percent per year. This covers transaction fees, issuing commissions, redemption fees and securities account fees. Investing new money and rebalancing is free of charge. This makes the pillar 3a account at VZ up to 60 percent cheaper than at other providers.
How does a pillar 3a account with index investments differ from other products?
The pillar 3a account at VZ differs from other pillar 3a solutions thanks to the tangible benefits it offers:
- Flexible investment strategy: you can choose from six investment strategies with an equity weighting of between 15 and 97 percent
- Up to 60 percent more cost-effective: the management fees amount to 0.68 percent per year, which makes them significantly lower than at other providers
- Independent selection: VZ does not sell its own financial products and does not earn any money from brokerage commissions
- Automatic rebalancing: when prices fluctuate significantly, the composition of the securities account can deviate significantly from the defined investment strategy. If the current weighting deviates too sharply, the asset classes are rebalanced in line with the strategy free of charge at the end of the month. This rebalancing can have a positive impact on returns.
- Holding investments beyond retirement: the pillar 3a account at VZ allows investors to transfer their index investments into their private securities account on retirement. This reduces the risk of having to sell the investments at a time when prices are low.
Get regular updates on how to optimise your OASI, occupational and pillar 3 pensions.
Plan your pension carefully: opt for Pillar 3a with Index Focus ESG
If you select Pillar 3a with Index Focus ESG, you’ll be investing your money in the best index funds. The investment process takes environmental, social and governance (ESG) criteria into account in a targeted manner. You can adjust your investment strategy online at any time based on your personal risk tolerance.
What are ESG criteria?
ESG stands for environment (environment), social (society) and governance (corporate governance). For example, companies with low CO2 emissions are rated better than those with high emissions. VZ implements its investment strategy with low-cost index funds. The best funds per asset class are chosen in a professional selection process, taking ESG criteria into account.
Why opt for index investments in pillar 3a?
Index funds aim to faithfully replicate an index such as the SMI and the Dow Jones. They’re an attractive asset class for private investors in particular, and their advantages are fully applicable in pillar 3a solutions:
- Low fees: Index funds are cost-effective because, unlike conventional, actively managed funds, they don’t require expensive fund management.
- Protection in the event of insolvency: Your funds remain in your possession even if the issuer becomes insolvent.
- Transparency: You can see which investments are being made at any time.
- Diversification: Index funds invest in different regions, countries, sectors, themes and asset classes, which reduces the investment risk.
How much is the Pillar 3 with Index Focus ESG?
Many providers charge fees of over 1.5 percent in some cases for securities solutions in pillar 3a. The management fees at VZ are 0.68 percent per year. This includes transaction fees, subscription fees, redemption fees and custody fees. Investing new funds and rebalancing are free of charge. As a result, the pillar 3a solution at VZ is up to 60 percent cheaper than at other providers.
What advantages does VZ offer?
If you opt for Pillar 3a with Index Focus ESG, you’ll not only be investing cost-effectively, but you’ll also be taking the environment, society and corporate governance into account.
Your benefits at VZ include:
- independent advice without conflicts of interest
- regular meetings with your advisor
- an ongoing review of your investment strategy
- the refund of retrocessions
Vested benefits: investing retirement asset cost-effectively
You can park your pension assets from the second pillar in a vested benefits account. For example, if you become self-employed or take a career break. At VZ Vested Benefits Foundation, you can invest your vested benefit assets in a cost-effective, tax-optimised manner. You choose the investment strategy that matches your personal risk capacity and level of experience in securities. As VZ does not sell its own financial products and only uses investment instruments that perform well in an objective selection process, we only select investments that are in your interests.
What does a vested benefits foundation do?
Irrespective whether you leave a company due to losing your job, taking a career break, pursuing further education or travelling: You will have to leave your previous pension fund and transfer your accumulated pension assets to a vested benefits account.
A vested benefits account is an account with a vested benefits foundation. The foundation invests your retirement assets and manages them as a pension fund would. The purpose of the vested benefits foundation is to preserve the pension assets accumulated in the area of occupational pension provision.
Once you start a new job you are legally required to transfer your vested benefits to the pension fund to which your new employer is affiliated.
Which investment strategies can I choose?
Together with our VZ experts you derive an individually tailored investment strategy. Your needs are thereby the main focus. The selection of investments range from conservative strategies with no equities to a growth-oriented focus with an equity share of 90 percent.
What are the advantages at VZ?
With the VZ Vested Benefits Foundation, you can invest your assets in a tax-efficient way within the scope permitted by law.
These are the advantages of the VZ Vested Benefits Foundation:
- Cost savings: primarily ETFs and other cost-effective index funds are used.
- Flexibility: investors benefit from a wide range of investment strategies. The investment strategy can be adjusted on a weekly basis.
- Overview: with online access, you can keep an eye on your securities account and adjust your investment strategy at any time. You will receive transparent reporting on a quarterly basis.
Get regular updates on how to optimise your OASI, occupational and pillar 3 pensions.