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Secure your future

The simple path to a financially secure retirement:
the UBS Fisca account

The UBS Fisca account is the simple pillar 3a solution

for securing your financial future. You maintain your
accustomed standard of living, save on taxes, and
can also use your savings to buy a home, for example.
How the UBS Fisca account works
The UBS Fisca account is designed for anyone who is employed
and required to pay AHV/IV contributions. You can save for
retirement with no minimum obligation and benefit from a
preferential interest rate. Account maintenance and an
easy-to-read annual account statement are provided free of
charge.
You decide on the amount of your contributions to your
UBS Fisca account and when you want to make them. There
are maximum limits, however, for the amount that you can
pay in each year for a pillar 3a plan. Savers with a pension fund
can save a statutory maximum of 6,768 Swiss francs. Savers
without a pension fund can pay in a maximum of 20 percent
of their income from employment (up to 33,840 Swiss francs)
each year.
Tax savings
The UBS Fisca account helps you save on taxes. Your annual
contribution can be deducted from your taxable income, and
your retirement savings are not subject to wealth tax. The
interest income is also tax-free. When your retirement savings
are paid out, they will be taxed separately from your other
income and at a reduced rate.

Example of tax savings with a UBS Fisca account

Taxable income

Total tax1

Without
Fisca

Without
Fisca

With Fisca

CHF80,000 CHF 73,232 CHF 11,713

Your tax
savings
With Fisca
CHF 10,014

CHF 1,699

CHF100,000 CHF 93,232 CHF 16,942 CHF 15,097 CHF 1,845

Calculations based on the following assumption: employed person with pension
fund, contribution of 6,768 Swiss francs, male, married, born in 1974, no children,
resident in Olten in the canton of Solothurn, Protestant. Spouse: Protestant.
1
Federal, cantonal, municipal, church (tax rates for 2014).

Calculate your tax savings at:

ubs.com/fisca Calculate your retirement
Financing your own home
You can use your UBS Fisca account to finance your own
home. If you wish to buy your own home or repay a mortgage
loan, you can withdraw your savings early. Your savings can
also be pledged to buy a home.
Whats more, the annual contribution amount can be used
for the indirect amortization of a mortgage loan. This makes
the UBS Fisca account attractive to younger savers as well.

Withdrawal options
By law, youre not allowed to access the capital in your
UBS Fisca account until five years before you reach the
AHV retirement age.
However, you can make an early withdrawal
if you want to finance your own home
if you want to pay back your mortgage loan
if you want to become self-employed
if you permanently leave Switzerland
if you buy into a pension fund
if you receive a full Swiss disability insurance pension

Key points
Pillar 3a retirement savings account with a preferential
interest rate
Choose the amount of your savings contributions and
when to pay them
Tax savings
Finance your home with your savings
No minimum contributions
Free account maintenance

You can also make partial withdrawals up to five years

before you reach the AHV retirement age in the following
cases: to buy into a pillar 2 pension fund, or to finance
your home (every five years).

For all your questions

ubs.com/fisca
UBS Switzerland AG
P.O. Box
8098 Zurich

ubs.com/retirement
UBS Service Line Private Clients 0848 848 054
Find your nearest branch ubs.com/locations

This publication is intended for information only and is not intended as a recommendation, an offer or a solicitation of an offer. Before making a decision, you should obtain
relevant professional advice. Please note that UBS reserves the right to alter its services, products or prices at any time without prior notice. Certain products and services are
subject to legal restrictions and cannot be offered worldwide on an unrestricted basis. Reproduction in whole or part is prohibited without prior permission from UBS.
UBS 2015. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. November 2015. 84491E