Pillar 3a with index investments

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. Open a pillar 3 account now

Pillar 3a with Index Investments (PDF)

ETFs and 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 account:

• Low fees: 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: index funds invest in various different regions, countries, sectors, themes and asset classes, which lowers risk.

Open a pillar 3 account now
Pillar 3a with Index Investments (PDF)

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. Set up a pillar 3a account now

Pillar 3a with Index Investments (PDF)

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. 

Open a pillar 3 account now
Pillar 3a with Index Investments (PDF)

In 2011, VZ launched a pillar 3a account as a securities solution, which changed private pension provision in Switzerland in a lasting manner. 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.

Open a pillar 3a account now
Pillar 3a with Index Investments (PDF)