Vested benefits account in Switzerland: What to do with your 2nd pillar?
A vested benefits account is simply your 2nd pillar savings when they are no longer managed by your employer’s pension fund. This happens when you change jobs, leave Switzerland, go through a divorce, or in certain other specific situations.
Instead of letting these assets sit idle, you can invest them with an insurance company, a bank, or a wealth manager to effectively prepare for your retirement. At FBKConseils, we help you locate your funds, compare available solutions, and choose the most advantageous option.
Why choose FBKConseils?
At FBKConseils, our entire team is highly qualified, trained, and passionate, with expertise across multiple fields to support you throughout your projects.
Comprehensive expertise in the 2nd pillar and vested benefits management
We know the complex rules of the LPP system, its players, and its subtleties. We guide you through the process of locating, transferring, and investing your vested benefits.
Investment solutions tailored to your profile
Bank, insurance company, or wealth manager, each option has its advantages and limitations. We compare different products for you to choose the one that truly matches your needs and your risk tolerance.
Personalized and practical support
Job change, expatriation, divorce… every situation is different. We carefully analyze your file and implement a tailored strategy to secure your assets and optimize their growth.
A human, transparent, and complete approach
We don’t just set up your account, we provide ongoing monitoring and adapt the strategy as markets evolve and your personal projects change.
Our offers for vested benefits account investment
With us, everything usually begins with a free introductory meeting, either at our office or via video call, to discuss your needs and guide you towards the best possible solution.
0.-
Includes:
- 15-minute introductory consultation.
- Answers to your first questions.
- No commitment.
195.-
/hour
Includes:
- 15-minute introductory consultation.
- Analysis and identification of your 2nd pillar assets.
- Comparison of investment options (banks, insurers, managers).
- Implementation of the chosen transfer and investment.
- Regular monitoring and strategy adjustments according to your needs.
They already trust us.
It is an account that holds your 2nd pillar savings when they are no longer managed by your employer’s pension fund (e.g., job change, departure, divorce).
You can request withdrawal in four specific cases (leaving Switzerland, buying a home, becoming self-employed, or early retirement), or at the legal retirement age.
If you changed jobs and did not transfer your savings, a vested benefits account may have been automatically created in your name, often with the Substitute Occupational Benefit Institution. A benefits search will confirm it.
You can invest your assets with a new pension fund (if you change jobs), a bank, an insurance company, or a wealth manager. Diversifying your investments helps ensure you don’t put all your savings in one place.
Each year, your employer provides an LPP certificate. It shows the accumulated capital and the estimated pension based on your chosen retirement age. The conversion rate applied to your capital indicates your future pension amount.
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