Y3A

Easy
Pension savings

And this is how it looks…

Real real-time.

We help you keep your finances healthy. You can track your pension funds and your YAPEAL account. Single payments and standing orders are easy. Building your pension funds has never been so easy.

Join the YAPEAL Community and share your experiences as well as your pension savings goals.

If you have any questions, we are here for you!

Pay less taxes

Save for your own home

Invest in your future

According to your risk appetite

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Easy

 

Easy: Open your 3a pillar account.
Easy: Save taxes.
Easy: Invest your 3a pension savings.

A simple pension solution with fair fees.

Developed for you!

Transparent, no hidden charges, all inclusive. Done in a few minutes from your kitchen table or sofa:

  • Klick Pension 3a in the App
  • Provide your personal info
  • Select your 3a pension solution
  • Transfer your annual payment, go!

The best

 

Your pensions solution from the Vontobel professionals – so that more remains in your pocket and your dreams come true!

Financial Amigo Style:

  • You can start from 100 CHF
  • 3a Product Fee from 0.42% p.a.
  • 3a Pension-Fonds powered by Vontobel

Only the best is good enough for both of us. That’s why we’re moving ahead together. YAPEAL is expanding its offering and cooperating with the Vontobel investment professionals.

Win-Win!

Good to know

 

We have a blog category ‘Financial Education’ to keep you up to date.

Take a look! 

“With us, fees are written in small letters and SERVICE in capital letters, which results in low costs and a good feeling for you.”

“Added value for you, because professionals work for your money.”

“Vontobel’s 3a funds are sustainable. Your investments and financial health is important to us.”

This is how much tax you can save:

Example 1

  • You live in Zurich, are married, have two children and are without confession.
  • Your annual gross income is CHF 160’000, and you pay the maximum amount of CHF 6’826 each into the pillar 3a.

You save CHF 3’224 a year.

Example 2

  • You live in Basel, are married, have no children and are Roman Catholic.
  • Your gross income is CHF 180’000 and you pay the maximum amount of CHF 6’826 into the pillar 3a.

You save CHF 2’462 annually.

Example 3

  • You live in Bern, are single, have no children and are reformed.
  • Your gross income is CHF 80’000 and you pay the amount of CHF 4’000 into the pillar 3a.

You save CHF 1’005 annually.

Fees

We stand for simple and transparent solutions. And we do not like hidden fees. With the appropriate investment strategy and very affordable 3a pension funds.

No issue, redemption or exchange commissions are charged. Rebalancing takes place every day on work days. The fund provider is Vontobel Fonds Services AG, a company of the Vontobel Group.

Important legal information:

This information is used for marketing purposes regarding the distribution of the pension solution of the Vontobel 3a Pension Foundation, c / o Bank Vontobel AG, Gotthardstrasse 43, 8002 Zurich (“Foundation”) for private investors in Switzerland.

This information has been created for informational purposes only and does not constitute advice (whether in legal, tax, economic, investment or other terms), nor a recommendation or an offer to subscribe in shares of the fund / units of the fund or in the strategy fund of the foundation or to carry out transactions or legal acts of any kind. Direct or indirect investments in units of the fund or investments in the pension solution should always be made at least on the basis of the relevant Key Investor Information Document (“KIID”) and, if deemed necessary, after consulting an independent investment, legal and tax advisor.

You can find further information regarding the 3A strategy fund of the foundation, in particular on the risk profile, in the key investor information (“KIID”). You can view these documents:

YAPEAL applies the usual business prudence when compiling the information. YAPEAL does not assume any liability for the relevance, correctness, accuracy or completeness of any information in connection with the pension solution of the Vontobel 3a pension foundation and is not liable for it. As far as legally permissible, YAPEAL excludes any liability for direct and / or indirect damage as well as lost profit resulting from the use of, access to the information in connection with the pension solution of the Vontobel Foundation or the YAPEAL app, links in the YAPEAL app or the inability to use or access it. This disclaimer also applies to all damage that can be attributed to third parties manipulating information or the YAPEAL app. YAPEAL reserves the right to update, change or delete information at any time without notice. YAPEAL excludes any guarantee that access to the YAPEAL app or individual functions of the YAPEAL app will be free of interference and without interruption, that errors will be corrected or that no viruses or other harmful components will be transmitted when using the YAPEAL app.

Neither this promotional information nor copies thereof may be made available in countries or made available to persons in countries where this is prohibited by applicable laws. Persons to whom this document is made available are obliged to inform themselves about such restrictions and to obey local laws. In particular, this document may not be made available, handed over or distributed in the USA to US persons.

© 2020 YAPEAL | All rights reserved.