After a job change or a career break, your pension fund assets are often transferred to an account with low interest. We show you how to invest them securely and profitably.
Provide for tomorrow – today
Take charge of your pension assets today so they can work for you tomorrow. Make self-determined choices about how to invest your vested benefits – whether in a traditional vested benefits account or a return-oriented portfolio. Swiss Life can advise you on the ideal solution when changing jobs, taking time out or becoming self-employed.
Vested benefits account: a secure interim solution for your vested benefits
The money in a vested benefits account is secure and free from price fluctuations, but only earns low interest rates. A vested benefits account is ideal if your assets are held for a short period of time.
Vested benefits custody account: return-oriented investing with long-term potential
With a vested benefits custody account, your assets are invested in securities. This may offer higher long-term returns, but also involves fluctuations and investment risks. A vested benefits custody account is suitable if your assets are likely to remain invested for several years.
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We provide comprehensive advice tailored to your goals at a place of your choice.
Who is a vested benefits account or custody account suitable for?
- You are giving up work for an extended period or even permanently.
- You are becoming self-employed.
- Your income now falls below the minimum earnings threshold for mandatory BVG/LPP insurance, e.g. due to part-time employment.
- You are receiving occupational pension payments, e.g. following divorce or dissolution of a registered partnership.
Why open a vested benefits account with Swiss Life?
- Flexibility
- Return
- Benefit from expert knowledge
- Tax advantages
Arrange a consultation now and open a vested benefits account
Your situation is individual – whether you plan to return to work soon, take a break or become self‑employed. In a personal consultation, we show you which solution best secures your pension assets while making the most of opportunities.
Frequently asked questions about vested benefits accounts
If you receive a full disability pension, you can have your vested benefits paid out.
You can have a maximum of two vested benefits accounts with different foundations.
The taxation of vested benefits accounts depends on various factors such as the timing of the payout and the canton of residence.
The account has to be closed when you start a new job and transfer the assets to your new employer’s pension fund.
A vested benefits foundation is an institution set up by a bank or insurance company to invest and manage vested benefits.
You will need a vested benefits account if you leave a company and your previous pension fund, and do not have a new employer.
The pension fund assets are divided in the event of divorce, unless there is a marital agreement.
Vested benefits can be held in a traditional account or invested and held in a custody account.
The money in a vested benefits account is secure and free from price fluctuations, but only earns low interest rates.
With a vested benefits custody account, your assets are invested in securities. This may offer higher long-term returns, but also involves fluctuations and investment risks.