What are ESG criteria?

ESG stands for environmental, social and governance matters in investment. 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. Pillar 3a with Index Focus ESG fact sheet (PDF)

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. Pillar 3a with Index Focus ESG fact sheet (PDF)

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 money 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. Pillar 3a with Index Focus ESG fact sheet (PDF)

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 environmental, social and corporate governance criteria 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 reimbursement of retrocessions Pillar 3a with Index Focus ESG fact sheet (PDF)

Pillar 3a with Index Focus ESG

Plan your pension carefully

If you select Pillar 3a with Index Focus ESG, you’ll be investing your money in the best ETFs and 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.

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Key questions about Pillar 3a with Index Focus ESG

What are ESG criteria?

ESG stands for environmental, social and governance matters in investment. 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.
Pillar 3a with Index Focus ESG fact sheet (PDF)
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.
Pillar 3a with Index Focus ESG fact sheet (PDF)
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 money 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.
Pillar 3a with Index Focus ESG fact sheet (PDF)
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 environmental, social and corporate governance criteria 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
- reimbursement of retrocessions
Pillar 3a with Index Focus ESG fact sheet (PDF)

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Retirement marks the transition into a new chapter of life - also from a financial point of view. To be able to look forward to your golden years, you'll have to take a number of very significant decisions.

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