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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
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Investment backdrop July 2026
Monthly Market Summary
Recent geopolitical tensions have had less impact on markets than many had feared. Lower energy prices have helped ease inflation concerns, while continued investment in artificial intelligence is supporting economic growth and corporate earnings.
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Monetary policy - behind the curtain
Strategy Blog
Interest rates in 2026 are heading in the opposite direction to what money markets thought. Rates are projected to rise in the US and UK, and have already risen at the ECB. At the start of the year, US and UK rates were seen falling and ECB rates staying put.
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Five stock market talking points in 2026
Strategy Blog
It has been another eventful – and at times grim – year, but global equities have continued to climb the ‘wall of worry’, up by more than a tenth in dollar terms. Given we are approaching the 2026 halfway mark, we highlight five interesting stock market observations below.