Grow your wealth with us

Q: When are fees charged?

Quarterly . Fees are charged on the last day of each quarter.

Money doesn’t grow on trees, it cannot be dug up like potatoes and breeding it in a greenhouse is not an option. But you can invest it long-term with Yuh 3a. And expect higher returns. To very attractive conditions.

Enjoy a 0.5% all-inclusive fee

This fee includes administration fees, currency exchange fees, transaction fees, spreads, stamp duty, 3a transfer fees and strategy change fees. Ok, but where is the catch? No catch! With Yuh, what you see is what you get. We have nothing to hide.

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We invest your savings, they stay active

Staying active improves not only your but also your money’s performance. Yuh sends your assets to the gym by investing them in a smart way. You will even benefit from compound interest. There are absolutely no strings attached. You can change your stategy at any moment.

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Safety is the be-all and end-all

Your pension assets are invested in securities, which are considered segregated assets. Such assets are protected in the event of bankruptcy because they are not part of the bankruptcy estate. So, if the financial institution goes bankrupt, your assets are fully protected.

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0.5% is all you pay

Our all-in fee includes all of the below

Custody fees

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Investment fees (TER)

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Currency exchange fees

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Administration fees

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Transaction fees

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3a foundation fees ¹

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Unlimited strategy changes

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Deposits and withdrawals

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Account opening and closing

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1 In exceptional cases, additional fees may be charged by our Simply 3a Foundation. For more information, please see our Fee Regulations.

Open a new Yuh 3a account

Download the Yuh app from your app store

Create your account

Enter your personal details and verify your identity in the app.

Go to the save section of the app

We will ask you a few questions to get to know you better.

Fund your 3a account

Start funding your account and picture your happy future self.

Open a new Yuh 3a account

Download the Yuh app from your app store

Create your account

Enter your personal details and verify your identity in the app.

Go to the save section of the app

We will ask you a few questions to get to know you better.

Fund your 3a account

Start funding your account and picture your happy future self.

If you’re wondering about something, our FAQs provide quick answers

How much does Yuh 3a cost me?

Did we already tell you, we don’t like pigs in a poke? Yuh is an open book; hidden costs are an alien concept. For Pillar 3a, the total all-in costs are 0.50% per year on the invested pension assets. No more and no less. This makes us one of the cheapest providers in Switzerland.

Here are some more details: fees of 0.50% per annum are calculated on the total amount of invested assets on a 365-day pro-rata basis. On a 3-month basis, the fee is 0.125%. Fees are debited directly from your Yuh 3a account.

When are fees charged?

Quarterly. Fees are charged on the last day of each quarter.

How safe are my retirement assets with a digital Pillar 3a?

The short answer: very safe. The long answer: your money is invested by Yuh in securities and – in contrast to pension savings held on an ordinary bank account – securities are classified as segregated assets. These assets are protected in the event of bankruptcy, and do not form part of the estate in bankruptcy. To cut a long story short, if the financial institution goes bankrupt, your cash is fully protected.

This is also one of the reasons why we invest in bonds rather than holding cash, as much stronger protection is available for securities than for pure cash deposits at a bank.

Did you also know that cash deposits held in conventional pillar 3a accounts (i.e. pure banking solutions without securities) do not qualify as segregated assets and hence do not benefit from this deposit protection? This means that, if the bank were to become bankrupt, pension savings would not be paid out very quickly, but rather – if at all – only after a liquidation process lasting for years. However, under bankruptcy law, any deposits of up to 100’000 CHF are privileged. This means that these claims are paid out in advance of other creditors.

How can I transfer my existing Pillar 3a to Yuh?

Every new transfer is music to our ears! We’ll help you call a taxi to bring your existing Pillar 3a over to Yuh in the wink of an eye. First, make sure your Yuh account is up and running. Open your Yuh app and go to Save > Yuh 3a > Overview > Help me to… > Make a transfer in request > Transfer in from another 3rd pillar. And boom! From here you can download a pre-filled form with your account details to send to your current 3a provider.

Is there a minimum amount to open a Pillar 3a?