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3A RETIREMENT SAVINGS

INVEST IN THE FUTURE AND ENJOY TAX BENEFITS.

We raise your interest rate

Don't skimp on your lifestyle – now or later. Our top interest rate on your 3a retirement account means your savings will give you more when you retire. And that is on top of attractive tax benefits, no account management fee and full transparency via CIC eLounge. So you can relax now while saving for your future – with the satisfying feeling that you are enjoying one of the best interest rates in Switzerland.

3A RETIREMENT SAVINGS

WHAT MAKES THE CIC ON RANGE DIFFERENT.

For over ten years, the Bank CIC preferential rate has been one of the best interest rates in the country. The Bank CIC retirement funds universe consists of funds from different suppliers carefully selected by the Bank to meet a range of quality criteria. We particularly look at value for money, sustainability and diversity in our range, and attempt to offer clients the best possible selection of funds.

Ongoing monitoring ensures the offering meets the criteria that have been set. There are various investment focuses: equity weighting, the strategy focus or a thematic approach. Choose from more than 30 funds from multiple suppliers.

10-year performance comparison

Do you want to provide for your future, still have enough money later in life to make your dreams come true and save taxes at the same time? Then the 3a retirement solution is just right for you. Investing your money in funds also allows you to benefit from opportunities for higher returns. Generally, the longer you can leave your money invested, the better. Pick your retirement fund from four different investment strategies with varying equity weightings, and take a big step towards achieving your retirement saving goals.

Starting balance: CHF 10 000
Frequency of contributions CHF 6 000 per year
Calculation basis Historic interest rates and returns over the last 10 years

Retirement capital on maturity with account solution: CHF 72 881
Retirement capital on maturity with equity strategy: CHF 104 665
Difference CHF 31 784

Basis for sample calculations and references 

  • 3a retirement account: average account interest rate over the past 10 years: 0.76% p.a.
  • 3a retirement fund in the Conservative investment strategy (A): average return over the past 10 years: 1.39% p.a.
  • 3a retirement fund in the Balanced investment strategy (B): average return over the past 10 years: 2.53% p.a.
  • 3a retirement fund in the Dynamic investment strategy (C): average return over the past 10 years: 3.39% p.a.
  • 3a retirement fund in the Equities investment strategy (D): average return over the past 10 years: 7.36% p.a.

The comparison is based on past performance and is not an indicator of future performance before fees and taxes. Reference date: 1 November 2022. Basis: Retirement fund in pillar 3a investment savings plans of Bank CIC, equities return based on the benchmark calculation. Sources: Bloomberg, VZ Vermögenszentrum

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.

If you invest in retirement funds with a high real estate weighting, you also participate in the developments on the real estate market. In the current low-interest phase, the real estate market has become more attractive compared to investments in bonds.

The maximum real estate weighting is 30% (due to the legal provisions of BVV2). 

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes Real estate weighting
Credit Suisse
Mixta-BVG Basic I
1503660 0% Conservative Real estate 28%
Swisscanto
BVG 3 Responsible Portfolio 10 RT
23805195 10% Conservative Real estate 21%
Swisscanto
BVG 3 Responsible Portfolio 25 RT
23805270 26% Balanced Real estate 19%
Bâloise
BVG-Mix 25 Plus R
12424966 25% Balanced Real estate & commodities 18%
Swisscanto
BVG 3 Responsible Portfolio 45 RT
23805297 45% Dynamic Real estate 19%
Swiss Life
BVG - Mix 15
1564965 15% Conservative Real estate & commodities 21%
Baloise
BVG-Mix Dynamic Allocation 0-40
34387912 0-40% Balanced Real estate 20%
Bâloise
BVG-Mix 40 Plus R
12424973 40% Dynamic Real estate & commodities 18%
J.Safra Sarasin
BVG-Wachstum Tranche A
287401 35% Balanced Real estate 17%
Swiss Life
BVG - Mix 25
1245601 25% Balanced Real estate & commodities 17%
Credit Suisse
Mixta-BVG I
2733319 35% Balanced Real estate 16%
J.Safra Sarasin
BVG-Zukunft Tranche A
2455731 45% Dynamic Real estate 16%
Bâloise
BVG-Mix 15 Plus R
12424959 15% Conservative Real estate & commodities 19%
J.Safra Sarasin
BVG-Ertrag Tranche A
2455689 15% Conservative Real estate 16%
J.Safra Sarasin
BVG-Rendite Tranche A
1016859 25% Balanced Real estate 15%
Baloise
BVG-Mix Dynamic Allocotation 0-80
43200504 0-80% Dynamic Real estate 14%
Swiss Life
BVG - Mix 35
1245606 35% Balanced Real estate & commodities 14%
J.Safra Sarasin
BVG-Nachhaltigkeit Tranche A
1016862 38% Balanced Real estate & sustainability 13%
J.Safra Sarasin
BVG-Nachhaltigkeit Rendite Tranche A
3543791 25% Balanced Real estate & sustainability 11%
UBS
AST BVG-25 Aktiv Plus I-A1
11763766 25% Balanced Real estate & commodities 10%
Swiss Life
BVG - Mix 45
1245607 45% Dynamic Real estate & commodities 12%
UBS (CH)
Vitainvest - 75 World Sustainable U
29317460 75% Equities Real estate & sustainability 11%
UBS (CH)
Vitainvest - 75 Swiss Sustainable U
29317503 75% Equities Real estate & sustainability 10%
UBS
AST BVG-40 Aktiv Plus I-A1
11763867 40% Dynamic Real estate & commodities 9%
Credit Suisse
Mixta-BVG Index 45 I
11269573 45% Dynamic Real estate 5%
Credit Suisse
Mixta-BVG Index 75
38261472 75% Equities Real estate 5%
Swisscanto (CH)
Vorsorge Fonds 75 Passiv VT
35369090 75% Equities Real estate & commodities 5%
Swisscanto
BVG 3 Responsible Dynamic 0-50 RT
23804622 0-50% Dynamic Real estate 4%
Swiss Life
BVG - Mix 75
43583002 75% Equities Real estate & commodities 5%
Swisscanto (CH)
IPF III Vorsorge Fonds 95 Passiv VT
51196142 95% Equities Real estate & commodities 2%

For the sustainability theme, you have the opportunity to invest your retirement assets in line with ecological and social aspects. A sustainability fund invests exclusively in companies that operate sustainably. 

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes
J.Safra Sarasin
BVG-Nachhaltigkeit Rendite Tranche A
3543791 25% Balanced Sustainability & real estate
J.Safra Sarasin
BVG-Nachhaltigkeit Tranche A
1016862 38% Balanced Sustainability & real estate
Swisscanto
BVG 3 Sustainable Portfolio 45 RT
23804772 45% Dynamic Sustainability
UBS (CH)
Vitainvest - 75 World Sustainable U
29317460 75% Equities Sustainability & real estate
UBS (CH)
Vitainvest - 75 Swiss Sustainable U
29317503 75% Equities Sustainability & real estate
UBS (CH)
Vitainvest - 100 World Sustainable U
41329230 95% Equities Sustainability

If you invest in retirement funds with a high weighting in commodities, you also participate in the developments on the commodities market. Commodities such as gold, silver or copper, serve to diversify your investments away from the traditional equity and bond asset classes.

The maximum weighting of alternative investments, which include commodities, is 15% (due to the legal provisions of BVV2).

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes Commodities weighting
UBS
AST BVG-25 Aktiv Plus I-A1
11763766 25% Balanced Commodities & real estate 8%
UBS
AST BVG-40 Aktiv Plus I-A1
11763867 40% Dynamic Commodities & real estate 8%
Swisscanto (CH)
Vorsorge Fonds 75 Passiv VT
35369090 75% Equities Commodities & real estate 7%
Bâloise
BVG-Mix 15 Plus R
12424959 15% Conservative Commodities & real estate 1%
Swiss Life
BVG - Mix 15
1564965 15% Conservative Commodities & real estate 2%
Bâloise
BVG-Mix 25 Plus R
12424966 25% Balanced Commodities & real estate 2%
Swiss Life
BVG - Mix 25
1245601 25% Balanced Commodities & real estate 2%
Swiss Life
BVG - Mix 35
1245606 35% Balanced Commodities & real estate 2%
Bâloise
BVG-Mix 40 Plus R
12424973 40% Dynamic Commodities & real estate 2%
Swiss Life
BVG - Mix 45
1245607 45% Dynamic Commodities & real estate 2%
Swiss Life
BVG - Mix 75
43583002 75% Equities Commodities & real estate 2%
Swisscanto (CH)
IPF III Vorsorge Fonds 95 Passiv VT
51196142 95% Equities Commodities & real estate 2%

Retirement fund by provider

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

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

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

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
BVG-Aktien 80 A 44120031 80% Equities

Investment product

Securities no.

% equities

Investment strategy

BVG 3 Portfolio 10 RT 23805195 10% Conservative
BVG 3 Portfolio 25 RT 23805270 26% Balanced
BVG 3 Portfolio 45 RT 23805297 45% Dynamic
BVG 3 Sustainable Portfolio 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
Swisscanto (CH) Vorsorge Fonds 95 Passiv – VT 51196142 95% Equities
In­vest­ment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy
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 43583002 75% Equities

Investment product

Securities no.

% equities

Investment strategy

BVG-25 Aktiv Plus I-A1 11763766 25% Balanced
BVG-25 Indexiert (hedged in CHF) I-A1 11764415 25% Balanced
BVG-40 Aktiv Plus I-A1 11763867 40% Dynamic
BVG-40 Indexiert (hedged in CHF) I-A1 27400346 40% Dynamic
UBS Vitainvest Passive 75 Sustainable Q (new) 111013414 75% Equities
UBS Vitainvest Passive 100 Sustainable Q (new) 111013415 95% Equities

 

 

RETIREMENT SAVINGS MADE EASY AND FLEXIBLE.

The 3a retirement solution from CIC ON makes it easy for you to provide for the future and enjoy attractive tax benefits at the same time. Decide for yourself how much you want to pay in to your 3a retirement solution and when. This might be whenever you feel like it, or regularly with a standing order – whatever suits your budget. Because this solution is meant for your pension provision, the money is tied up. But if you want to buy a house or a flat or go freelance, you can withdraw your assets at any time.

Take advantage of tax benefits

With every payment into your 3a retirement account, you will be taking advantage of multiple benefits. The amount you pay into your 3a retirement account each year can be deducted from your taxable income. Depending on where you live, you start saving between CHF 200 and CHF 400 in tax when you contribute as little as CHF 1,000. You also enjoy these tax benefits when you invest the money in retirement funds.

It's worth spreading your 3a retirement assets across several accounts because it also has a positive impact on the tax savings if you make withdrawals in stages from your 59th birthday onwards. A reduced tax rate applies when withdrawing retirement savings. 

Enjoy opportunities for higher returns

If you want to invest your retirement savings, or some of them, in a 3a retirement fund, you can also enjoy opportunities for higher returns. You decide how much of your capital you want to invest. There is no need to worry about selecting individual stocks. Get started with an initial investment of as little as CHF 1,000 and flexible follow-up investments from CHF 500 and set off directly into a rosy future. Buying fund units in stages means you benefit over the long term from low average prices. This lets you get more out of the capital you have paid in, so you can provide for your retirement efficiently. 

START RIGHT NOW.

Would you like to open an account and buy funds directly in eLounge as soon as your retirement savings have been paid in? The transfer form makes it easy to have your existing 3a retirement savings switched to Bank CIC. Or you can pay in your retirement savings for the current year. Your capital will be invested in line with the purchase order you enter as soon as it reaches the account.

Or would you like advice on selecting funds? Then open the account online and the CIC ON team will be in touch within 48 hours for a personal advisory meeting.

For all 3a retirement solution terms, see here.

Preconditions

What do I need in order to open a 3a retirement account online? 

A 3a retirement account can currently be opened online by individuals who are adult, resident in Switzerland and have Swiss nationality or one of the nationalities on our list.*

Your identity will be verified during the online account-opening process on the basis of a valid identity document (passport or identity card). It’s easiest if you use your mobile device for this.

Once you’ve successfully activated it, you’ll have direct access to your new 3a retirement account in CIC eLounge.

What can I do if I’m unable to open an account online?

If you’re unable to open an account online, please call in at one of our branches with your identity card or passport so that we can perform the necessary identification checks. You can also contact our team of advisers on +41 (0)58 268 16 30.