Retirement provision with Vitainvest investment funds

Your benefits with Vitainvest investment funds

Higher potential returns
Active and passive investment solutions for the 2nd and 3rd pillar with broad diversification.
No minimum deposit
Invest as much or as little as you want.
Invest sustainably
All funds take sustainability criteria into account.

Choose between actively and passively managed funds with a different share of equities
For actively managed funds only: choose between a focus on Switzerland or global and additional diversification through a multi-manager approach
Gains on retirement savings are tax-free until payout

Annual review of the �۶��Ƶ Vitainvest Investment Funds (in German)

In the long term, the �۶��Ƶ Vitainvest Investment Funds achieved significantly higher returns than a 3a retirement account, but are subject to market volatility.

The graphic shows the performance of �۶��Ƶ Vitainvest Investment Funds between 2020 and 2025.

Disclaimer

* The interactive graphic below shows how the return potential has developed over the past 5 years. Select one or more funds to compare capital growth with the 3a retirement account.
* The indexed performance corresponds to an investment of CHF 100 at launch. This performance allows you to better compare share classes/investment funds.
* Data correct on 01.01.2025. This information is based on past data. Past performance is not a reliable indicator of future results. The performance shown does not take into account any commissions and costs for the subscription and redemption of shares.

Actively managed funds

Actively managed funds rely on in-house, forward-looking data and valuations. �۶��Ƶ also actively engages with companies and works to bring about improvements, including in companies’ sustainability profiles, through active dialogue and voting rights.

Active risk management
Short-term (tactical) asset allocation (TAA) incl. rebalancing
Long-term (strategic) asset allocation (SAA)

Passively managed funds

With passively managed funds, the investor primarily relies on past performance. For these funds, index providers focus on historical and mostly publicly available data (including sustainability data).

Passive risk management
Rebalancing
Long-term (strategic) asset allocation (SAA)

Actively managed funds

Vitainvest 100 World Sustainable

Equity component: long-term average equity exposure is 100%

The fund primarily invests in global equities. The equity allocation is usually around 95%, up to a maximum of 100%. This makes it possible to fully exhaust the potential offered by the equity markets within the options provided by the law.

The fund is ideal for investors who have a long- term investment horizon and bring the necessary risk capacity and appetite for equity investments.

Factsheet Vitainvest 100 World Sustainable (CHF)

Vitainvest 75 Swiss Sustainable

Equity component: long-term average equity exposure is 75%

This fund fully exhausts the potential of stock markets in accordance with legally permitted investment opportunities. Investments are made with a focus on Switzerland and also in bonds, money markets and real estate.

The fund is suitable for investors who have a long -term investment horizon and bring the necessary risk capacity and appetite for equity investment.

Factsheet Vitainvest 75 Swiss Sustainable (CHF)

Vitainvest 75 World Sustainable

Equity component: long-term average equity exposure is 75%

This fund fully exhausts the potential of the stock market in accordance with legally permitted investment opportunities. Investments are also made in bonds, money markets and real estate, with a majority of the investments being global.

The fund is ideal for investors who have a long- term investment horizon and bring the necessary risk capacity and appetite for equity investments.

Factsheet Vitainvest 75 World Sustainable (CHF)

Vitainvest 50 Swiss Sustainable

Equity component: long-term average equity exposure is 50%

This fund can make the most out of the stock markets’ potential. Investments are made in first-class bonds, money market instruments and selected stocks with a focus on Switzerland.

The aim is increased capital growth by taking advantage of price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

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Factsheet Vitainvest 50 Swiss Sustainable (CHF)

Vitainvest 50 World Sustainable

Equity component: long-term average equity exposure is 50%

This fund can take great advantage of the potential of stock markets worldwide. Investments are made globally in first-class bonds, money market instruments and selected stocks.

The aim is increased capital growth by exploiting price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Factsheet Vitainvest 50 World Sustainable (CHF)

Vitainvest 25 Swiss Sustainable

Equity component: long-term average equity exposure is 25%

This fund invests in broadly diversified first-class bonds, stocks and real estate with a focus on Switzerland.

The aim is optimizing interest earnings and price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Factsheet Vitainvest 25 Swiss Sustainable (CHF)

Vitainvest 25 World Sustainable

Equity component: long-term average equity exposure is 25%

This fund invests globally in first-class bonds, money market instruments and selected stocks.

The aim is optimizing interest earnings and price gains. The equity component of the portfolio is kept within a certain range in order to take account of the risk profile of the investors.

Factsheet Vitainvest 25 World Sustainable (CHF)

Passively managed funds

Vitainvest Passive 100 Sustainable

Equity weighting: long-term average equity exposure of 100%

The fund-of-funds invests indirectly, mainly in equities worldwide via indexed investment funds. The equity allocation is usually around 95%, up to a maximum of 100%. This makes it possible to fully exhaust the potential offered by the equity markets within the options provided by the law.

The fund is suitable for investors with a long-term investment horizon and the necessary risk tolerance and willingness to invest in equities.

Factsheet Vitainvest Passive 100 Sustainable (CHF)

Vitainvest Passive 75 Sustainable

Equity weighting: long-term average equity exposure of 75%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 75%).

The fund is suitable for investors with a long-term investment horizon and the necessary risk tolerance and willingness to invest in equities.

Factsheet Vitainvest Passive 75 Sustainable (CHF)

Vitainvest Passive 50 Sustainable

Equity weighting: long-term average equity exposure of 50%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 50%).

The aim is to increase capital growth by taking advantage of price gains. In doing so, the equity portion of the portfolio is kept within the specified range in order to take account of the investors' risk profile.

Factsheet Vitainvest Passive 50 Sustainable (CHF)

Vitainvest Passive 25 Sustainable

Equity weighting: long-term average equity exposure of 25%

The fund-of-funds invests indirectly in equities, bonds, and real estate worldwide via indexed investment funds (long-term average equity exposure of 25%).

The aim is to optimize interest income and price gains. In doing so, the equity portion of the portfolio is kept within the specified range in order to take account of the investors' risk profile.

Factsheet Vitainvest Passive 25 Sustainable (CHF)

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How do time, returns and consistency affect your retirement planning?

Would you like to boost your private pension plan and get more out of your savings? The following three factors will have the most impact on your wealth in retirement.

Time

The sooner you start saving for your retirement, the easier it will be to build up a retirement fund, even if you only pay in small amounts every year. There’s no time to lose: secure your annual tax advantages now.

Returns

The lower the interest rate, the lower the return on your pension contributions. But if you choose investment funds, you’ll enjoy a higher return in the long term.

Regular contributions

It’s hard to choose the right moment to make an investment, so why not invest the same amount on a regular basis, e.g., every month? When prices are high, the amount will only be sufficient to buy a few securities, but if they fall, you’ll automatically acquire a higher number. In the long term, the average acquisition price will be lower.

Get an overview of your potential returns from investment funds:

Vitainvest Funds in an nutshell

¹ Amount based on the past long-term performance of a diversified portfolio investing in a balanced mix of equities and bonds.
For illustration only.

How did �۶��Ƶ pension products perform compared to competitors over different time periods (in %)?

Vitainvest investment funds achieve higher returns over the long term than with the pillar 3a retirement savings account, but are subject to market fluctuations.

A comparison of the performance of similar investment products and the pillar 3a account shows that �۶��Ƶ Vitainvest investment funds perform well over the long term. This is also confirmed by independent research and rating agencies, which award prizes every year to funds that produce first-class returns.

�۶��Ƶ Vitainvest investment fund competitor comparison

You can choose from eight funds with either a “Swiss” or “World” focus. Which fund you choose depends on your personal investment strategy and risk tolerance.

You can also invest your money in several funds or switch to another fund.

What are the criteria for Vitainvest investment funds?

For sustainable investors, it’s not only the financial aspects that are important. ESG criteria (E=Environment, S=Social, G = Governance/good corporate governance) – are key too.

For �۶��Ƶ Vitainvest Funds, we therefore apply the following sustainability criteria:

Activity based exclusion:
Activity-based exclusions are applied in various areas (e.g. tobacco, coal, controversial weapons).
Single company exclusions:
The most controversial companies are excluded – independent of sector or business activity.
ESG profile:
Compared with the benchmark index*, the portfolio allocates more weight to companies that are more sustainable, i.e. the aim is to achieve a portfolio that has a higher overall ESG rating than the benchmark index*.
CO₂profile:
Most of the stocks we selected have a CO₂ profile that is better than average. This means that, compared with the benchmark index* for Vitainvest Sustainable, we prefer stocks with a lower CO₂ profile, as measured by CO₂ intensity.��Since the energy sector in Switzerland is relatively small, “�۶��Ƶ Vitainvest World Sustainable” has comparatively more potential.
Active dialog:
Voting rights at selected companies and, in the case of actively managed funds an active dialog to improve companies' sustainability profile.