VESTED BENEFITS YOUR PENSION IN TRANSITION.
Between two jobs, during a training course or a stay abroad, your BVG/LPP assets are transferred to a vested benefits account. These assets deserve active management.
GIVE YOUR BVG/LPP CAPITAL A NEW HORIZON.
Your 2nd pillar capital can keep working for your future, even between two jobs. Find out how to optimise your vested benefits according to your goals for return, security and tax.
SIMPLICITY & SECURITY
Vested benefits account
Keep your BVG/LPP capital with ease, with the option of investing it on the financial markets or leaving it in an interest-bearing account, depending on your risk profile and your goals.
RETURN POTENTIAL
Vested benefits in funds
Your capital is invested on the financial markets following a strategy suited to your profile. You are looking for a better long-term return and accept market fluctuations.
FORGOTTEN CAPITAL
Tracing your BVG/LPP assets
Have you changed employer several times or lost track of old pension assets? You can search for your forgotten BVG/LPP capital and consolidate it to manage your retirement savings better.
UP TO TWO INSTITUTIONS
Splitting your 2nd pillar
When you leave your pension fund, you can split your capital between two vested benefits institutions. An attractive option to plan your future withdrawals and optimise your tax.
Changing jobs, withdrawing your 2nd pillar, tax or investing your capital: find the answers to the key questions about BVG/LPP vested benefits in Switzerland.
ALL ABOUT VESTED BENEFITS IN SWITZERLAND
What is a vested benefits account in Switzerland?
A vested benefits account lets you keep your 2nd pillar capital when you leave a pension fund without immediately joining a new employer's fund. Your savings remain earmarked for your occupational pension until they are transferred or withdrawn as permitted by law.
What happens to my 2nd pillar when I leave my job?
If you start a new job, your BVG/LPP assets must be transferred to your new pension fund. If, however, you do not immediately join a new fund, you must transfer your capital to a vested benefits institution. Without instructions from you, your former fund generally transfers it to the Substitute Occupational Benefit Institution (Fondation institution supplétive LPP) after the statutory period.
Can I withdraw my vested benefits before retirement?
Yes, but only in certain situations provided for by law. An early withdrawal may be permitted in particular to buy a home for your own use, to start a self-employed activity or when leaving Switzerland permanently, subject to certain conditions. The capital can also be withdrawn as retirement approaches.
Can I invest my vested benefits capital on the stock market?
Yes. Some vested benefits foundations offer solutions invested in shares, bonds or diversified funds. These investments offer higher return potential over the long term, but carry a risk of loss. The choice depends in particular on your investment horizon and your risk tolerance.
Can I have two vested benefits accounts in Switzerland?
Yes. When you leave a pension fund, you can split your termination benefit between a maximum of two vested benefits institutions. This split can help you diversify your investments and plan separate withdrawals, with a possible tax advantage depending on your canton and your situation.
How can I trace an old 2nd pillar or forgotten BVG/LPP assets?
If you have lost track of your BVG/LPP capital after several changes of employer, you can submit a search request to the Central Office 2nd Pillar. It helps you identify the institutions that may hold your pension assets. You can then contact the institutions concerned to obtain the necessary information and arrange for the assets to be transferred.