Your benefits at a glance

Tax-exempt

Assets, interest and capital earnings are tax-exempt until withdrawal.

Secure your retirement savings

Keep your retirement savings secure during parental leave, vocational training or a job abroad.

Early withdrawal

To build, buy or renovate your own home, for example.

What is a vested benefits account?

When you stop working for a period of time, the savings in your occupational pension plan (pillar 2) may not be transferred in full, or at all, to a new pension fund. A vested benefits account keeps your retirement savings secure while you take parental leave, go back to school, work abroad or spend time unemployed.

Your retirement savings are transferred from your last pension fund to the vested benefits account, where they earn interest, offer tax advantages and can be used to finance your own home.

Factsheet vested benefits accountpdf, 133 KB

Open a vested benefit account in three steps

  1. 01

    Download the PDF form

    Open the form by clicking “Download form now.â€

  2. 02

    Fill out the opening form

    Send the completed and signed form to your existing vested benefits foundation or pension fund.

  3. 03

    Use the account

    Your pension fund or vested benefits foundation will prepare a termination settlement and transfer your assets to the ÃÛ¶¹ÊÓƵ vested benefits foundation.*

    * You will receive a letter with your account number to confirm that the payment has been received.

Learn more about the vested benefits account

Flexible opportunities for investing in securities

With the ÃÛ¶¹ÊÓƵ Vested Benefits Account investment plan, you can regularly invest a fixed amount in ÃÛ¶¹ÊÓƵ Vitainvest Investment Funds. The investment amount and period are flexible – this reduces the risk of investing at an unfavorable moment.

Good to know:ÌýÃÛ¶¹ÊÓƵ Vitainvest Investment Funds can be transferred to free assets upon retirement – there is no obligation to sell them when you reach the OASI retirement age. So you stay flexible.

  • Free custody account management
  • Free purchase and sale of fund units
  • Flexibility when you retire – actively managed fund units can be transferred free of charge to a ÃÛ¶¹ÊÓƵ Custody Account
  • Staggered investment in sustainable ÃÛ¶¹ÊÓƵ Vitainvest Investment Funds

Early withdrawal optionsÌý

Your vested benefits are generally blocked until you reach the statutory reference age. However, there are exceptions regulated by the Federal Vested Benefits Act (FZG) that allow you to withdraw your assets early:

  • Early retirement: Up to five years before the OASI retirement age.
  • Disability: You receive a full disability pension.
  • Self-employment: You become self-employed
  • Low balance: Your balance is lower than your current annual contribution to your occupational pension plan.
  • Emigration: You leave Switzerland permanently (especially outside the EU/EFTA).
  • Home purchase: To finance your own home.

How much does a vested benefits account cost?

  • Account management fee: CHF 3 per month
    At the end of the year, an annual fee of CHF 36 is retroactively charged for administration.
  • Early withdrawal fee to finance residential property: CHF 300
Fee regulationspdf, 197 KB

Account statement

The account statement for your vested benefits account is sent at the end of January of the following year. It does not serve as a tax certificate because the assets are not tax relevant and therefore no certificate is issued.

Add investment option into your vested benefit asset

Please note:ÌýTo activate the investment plan or make one-time investments you require a vested benefits account and an up-to-dateÌýrisk notice.

  1. 04

    Download the form

    Decide whether to make a one-time investment or invest stagger with the investment plan.

  2. 05

    Set the amount

    Determine the amount you want to invest and send the signed form to the vested benefits foundation.

  3. 06

    Start investing

    We’ll notify you as soon as we receive the form and confirm your order.

Frequently asked questions about the vested benefits account

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