500 francs to be won

Passively managed retirement funds

Make return-oriented, cost-effective savings for later in life

Low fees, broad diversification and a high level of transparency thanks to passively managed retirement funds. Four passive retirement funds with different equity components are now available to you. With these new funds, you can benefit from the opportunity to generate higher returns in the long term. Passive retirement funds – like all other investments – are subject to fluctuations on the capital markets.

10 x 500 francs to be won

If you invest at least 500 francs during the issue period, which runs until 26 September 2025, you will automatically be entered into the prize draw and, with a bit of luck, could win 500 francs.

  • Issue period: 18 August 2025 to 26 September 2025
  • Launch date: 26 September 2025
  • Issue price: 100 francs per share

After the issue period, purchases and redemptions can be made daily as usual. Orders placed during the issue period can no longer be processed and are not visible in e-finance during this time. Fund orders issued during the issue period will be debited from the retirement savings account 3a on 26 September 2025. The funds are only exposed to market risk after the launch date.

 

Preconditions

You can use the PF Pension – Passive Fund as part of a fixed pension plan with a retirement savings account 3a.

PF Pension – Passive fund combined with the retirement savings account 3a

Combine the PF Pension – Passive Fund with your retirement savings account 3a by investing all or part of your retirement savings account 3a capital in funds. The advantage for you: you have the option of switching between funds at any time or repaying the credit from the retirement funds into your retirement savings account 3a – commission-free. Open a retirement savings account 3a

With the passively managed retirement funds, you can benefit from higher potential returns in the long term and at lower cost than if you had left your money in a retirement savings account 3a, which currently earns hardly any interest. By opting for a PF Pension – Passive Fund, you put your assets into a basket of bonds, shares and real estate, allowing you to participate in trends on the financial markets. Like all investments, the PostFinance Pension – Passive Fund is also subject to fluctuations on the capital markets.

The choice is yours

To meet your individual requirements, PostFinance offers four new passively managed funds for retirement planning with varying equity components. With a higher equity component, you have the chance of generating higher returns, but you also have to be prepared for greater fluctuations.

With each graphic showing the new passive retirement funds with a different equity component of 25 (PF Pension Passive 25 Fund), 50 (PF Pension Passive 50 Fund), 75 (PF Pension Passive 75 Fund) or 100 (PF Pension Passive 100 Fund) percent. The remainder of the fund consists of bonds and alternative investments (gold/real estate).  The higher the equity component, the higher the risk and the expected return. PF Pension Passive 25 Fund: shares 25%, bonds 62.5%, alternative investments 12.5%; Passive 50 Fund: shares 50%, bonds 37.5%, alternative investments 12.5%; Passive 75 Fund: shares 75%, bonds 12.5%, alternative investments 12.5%; Passive 100 Fund: shares 100%

PF Pension – 25 Passive Fund

With an equity component of 25 percent, the PF Pension – Passive 25 Fund is suitable for a medium- to long-term investment horizon and a moderate risk appetite.

PF Pension – Passive 50 Fund

With an equity component of 50 percent, the PF Pension – Passive 50 Fund is suitable for a long-term investment horizon and medium risk appetite.

PF Pension – Passive 75 Fund

With an equity component of 75 percent, the PF Pension – Passive 75 Fund is suitable for a higher risk appetite and a long-term investment horizon.

PF Pension – Passive 100 Fund

With an equity component of 100 percent, the PF Pension – Passive 100 Fund is suitable for a long-term investment horizon with a high risk appetite. 

Composition of the PF Pension – Passive Fund

The fund was developed in cooperation with UBS AG.

Transfer of fund units

Upon retirement, you have the option of retaining the retirement fund units from your retirement savings account 3a and transferring them commission-free into a fund consulting basic or fund self-service custody account. This means you can also sell the retirement fund units at any point well after retirement.

How to save on fees

If you have invested assets of over 25,000 francs, a mortgage or life insurance with PostFinance, you will save an additional 5 francs per month in your banking package. Invested assets include fund investments covering retirement funds and custody account assets in e-trading excluding cash. Invested assets do not, however, include balances in savings accounts – or in your retirement savings account 3a or vested benefits account. The amount at the end of the month – made up of the total of investment funds (PostFinance Fonds, third-party funds), retirement funds and e-trading (custody account assets without cash) – is taken into account.

Purchase types for PostFinance retirement funds

Purchase typeRetirement savings account 3a
Purchase type
Individual purchase/subsequent purchase
Retirement savings account 3a
Amount up to max. existing account balance
Purchase type
Standing order for fund investment
Retirement savings account 3a
Invest any future inpayments into the selected retirement fund. Inpayments include all credits.
Purchase type
Funds saving plan
Retirement savings account 3a
Invest from your existing account balance at regular intervals (monthly, twice a month, every two months or quarterly).

This information and these statements are for information purposes only and do not constitute either an invitation to tender, a solicitation, an offer or a recommendation to purchase a service, buy or sell any securities or other financial instruments or to perform other transactions. 

This information does not take into consideration the specific or future investment goals, financial or tax situation or particular needs of any specific recipient, and is therefore not a suitable basis for investment decisions. We recommend that you consult your financial or tax advisor before every investment. The price, value and return of investments may fluctuate. Investment in financial instruments is subject to certain risks and does not guarantee the retention of the capital invested or an increase in value. All investment services and financial instruments provided by PostFinance Ltd are unavailable to US persons and other persons whose domicile or tax liability is outside of Switzerland and will therefore neither be offered nor sold/provided to them. PostFinance Fonds are issued in accordance with Swiss law. Prospectuses, KIID, BIB, the management regulations as well as annual and interim reports are available free of charge from the PostFinance Operations Center, any PostFinance branch or from UBS Fund Management (Switzerland) AG, P.O. Box, 4002 Basel, Switzerland. Before investing in a product, please read the latest prospectus carefully and thoroughly. Past performance is not a reliable indicator of future results. The performance shown does not take account of any commissions and costs charged when purchasing units. Commissions and costs have a negative impact on performance.

Retirement planning and retirement advice

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