Pay into pillar 3a until December 29 and save taxes!
In the past, opening a vested benefits and/or 3a account involved complicated bureaucratic hurdles and paperwork. However, our brand-new digital product relevate is intended to revolutionise retirement provision and offer our clients a user-friendly platform. You can open an account in relevate in just a few, completely paperless steps and benefit from an all-in fee of 0.45%. It’s easy to make deposits, track the performance of your portfolio and keep an eye on your returns. This gives you complete control over your pension and allows you to pursue your financial goals more efficiently.
In addition to its user-friendliness, one of relevate’s most important features is its splitting and risk protection options for vested benefits. Clients with pension assets of over CHF 300,000 have the option of splitting their capital into two separate portfolios. This gives you more flexibility when planning drawdowns and can offer tax benefits. The risk cover option enables clients to insure themselves against disability and/or death, for example if they do not have a new employer or during a sabbatical.
Many Swiss have their retirement savings sitting in savings accounts at the banks. They are reluctant to invest their money because they feel they don’t have enough knowledge and lack confidence. Our risk barometer is designed to tackle this problem. On the basis of just a few questions, relevate creates an individual risk profile and recommends a matching investment strategy. However, the final decision as to whether you follow this recommendation or choose a different strategy lies entirely with the customer.
Our investment strategies are based exclusively on high-quality Swisscanto funds. Among our strategies, we also offer our clients an excellent alternative to a traditional savings account. relevate cash+ allows you to invest in first-class money market investments denominated in Swiss francs via a Swisscanto fund. The advantage over conventional savings accounts is that it earns higher interest rates than are available at the banks and the funds are protected in the event of bankruptcy.
With relevate we are expanding our digital product range and setting new standards for the future of pension provision.