Optimise your pension
If you are intersted to learn more about our pension solutions, our experts will gladly meet with you to see where we can help you.
Vested benefits solutions
Preserve your pension assets, whichever the situation.
VESTED BENEFITS SOLUTIONS
With our vested benefits solutions your pension assets from the 2nd pillar (BVG) can be preserved if gainful employment in Switzerland is interrupted due to a career change.
What are vested benefits?
The need for vested benefits arises when employment in Switzerland is interrupted before an insured event occurs, namely old age, death or disability. This can cause gaps in pension coverage and limit the transfer of funds to a new pension fund.
Together with PensExpert AG, a leading pension provider, we offer vested benefits solutions tailored to the specific needs of insurees, allowing them to preserve occupational pension assets in the event employement changes. Our solutions allow insurees to flexibly invest the vested benefits assets with varied active and passive investment strategies.
When to open a vested benefits acount?
Opening a vested benefits account can be considered when:
- Becoming self-employed
- Leaving a job without having a new employer
- Taking a career break or a stay abroad
- Going on maternity leave
During these important milestones, our vested benefits solutions can help preserve your pension assets and bring you peace of mind.
Advantages
The advantages of a vested benefits account include:
- Full participation in capital market performance, with transparency around investments and costs
- Individual investment strategies allowing for optimal coordination with private asset investments
- Continuation of selected investment strategy upon payout of available assets, without having to realise the accumulated gains or losses
- The possibility of obtaining a mortgage through your vested benefits account
Latest insights
-
Chips: Moore spending
Strategy Blog
Middle East hostilities are intensifying; not one, but two maritime chokepoints are supposedly closed, and Brent crude has hit the psychologically threatening $100/bbl level once again.
-
Politics on the beach
Strategy Blog
In business, competitors often converge on the middle to capture the largest share of demand. Yet in politics, the opposite seems to be happening. Across the US and Europe, parties are moving away from the centre, while populist movements continue to gain ground.
-
Judgement calls
Investment Views
As the FIFA World Cup 2026 draws to a close, the focus may be on the finalists, but some of the most valuable lessons extend well beyond the pitch.