Cosmetic or pharmaceutical formulation comprising a UV protection composition and additionally an antioxidative active ingredient, characterized in that the at least one antioxidative active ingredient is encapsulated in a liposomal carrier system that penetrates the skin or hair, and the UV protection composition for topical application to the skin or hair comprises at least one UV filter substance which is encapsulated in a vesicular carrier system that does not penetrate the skin or hair, wherein the at least one UV filter substance has an n-octanol-water partition coefficient K ow at 25°C of greater than 1 and the vesicular carrier system consists of vesicles that are made up of hydrophobized polysaccharides and have a particle size of 10 to 1000 nm and a positive surface charge with a zeta potential in the range of 1 to 150 mV, wherein the hydrophobized polysaccharides of which the vesicles are composed are hydrophobized in that the C 3-22 -alkyl groups are bonded to the hydroxyl groups of the polysaccharide via alkyl-ether bonds or via alkyl-urethane bonds or are bonded to the polysaccharide base structure via a linker, and wherein the positive surface charge is produced in that the vesicles, in addition to the polysaccharides of which the vesicles are composed, have positively charged molecules as charge providers, wherein these charge providers are selected from: a) N-stearyl-N,N-dimethyl-N-(2-hydroxy-3-panthenyl)propylammonium salts of the formula, b) positively charged quaternary sugar derivatives of the formula wherein R 1 and R 2 are alkyl radicals, c) positively charged phospholipids, selected from diester and triester phosphatides of the formula, wherein the radical R is an unbranched or branched alkyl radical and/or alkenyl radical having C 7 -C 25 carbon atoms, d) positively charged N-(3-alkylamido)propyl-N,N-dimethyl-N-(2,3-dihydroxypropyl)ammonium salts and N-(3-alkenylamido) propyl-N, N-dimethyl-N-(2,3-dihydroxy-propyl) ammonium salts of the formula and also N-(3-ricinylamido)propyl-N,N-dimethyl-N-(2,3-dihyroxypropyl)ammonium salts, e) positively charged quaternary N,N,N-trimethyl-N-(2-hydroxy-3-"R-ether"-propyl)ammonium salts of the formula wherein the radical R is hyaluronic acid, xanthan gum or trehalose, or combinations thereof, and wherein the vesicles for the formation of the positive surface charge, in addition to the charge providers specified above, optionally comprise f) one or more positively charged quaternary C 12 -C 22 -alkyltrimethylammonium salts (or fatty acid trimonium salts of the formula wherein X - in the formulae to specified above is a cosmetically or pharmaceutically compatible organic or inorganic anion. a) N-stearyl-N,N-dimethyl-N-(2-hydroxy-3-panthenyl)propylammonium salts of the formula, b) positively charged quaternary sugar derivatives of the formula wherein R 1 and R 2 are alkyl radicals, c) positively charged phospholipids, selected from diester and triester phosphatides of the formula, wherein the radical R is an unbranched or branched alkyl radical and/or alkenyl radical having C 7 -C 25 carbon atoms, d) positively charged N-(3-alkylamido)propyl-N,N-dimethyl-N-(2,3-dihydroxypropyl)ammonium salts and N-(3-alkenylamido) propyl-N, N-dimethyl-N-(2,3-dihydroxy-propyl) ammonium salts of the formula and also N-(3-ricinylamido)propyl-N,N-dimethyl-N-(2,3-dihyroxypropyl)ammonium salts, e) positively charged quaternary N,N,N-trimethyl-N-(2-hydroxy-3-"R-ether"-propyl)ammonium salts of the formula wherein the radical R is hyaluronic acid, xanthan gum or trehalose, or combinations thereof, and wherein the vesicles for the formation of the positive surface charge, in addition to the charge providers specified above, optionally comprise wherein the radical R is hyaluronic acid, xanthan gum or trehalose, or combinations thereof, and wherein the vesicles for the formation of the positive surface charge, in addition to the charge providers specified above, optionally comprise f) one or more positively charged quaternary C 12 -C 22 -alkyltrimethylammonium salts (or fatty acid trimonium salts of the formula wherein X - in the formulae to specified above is a cosmetically or pharmaceutically compatible organic or inorganic anion.