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2nd pillar Vested benefits account

Keep the freedom to make the best choices for your future with a vested benefits savings account.

Pension offering in partnership with Liberty Foundation for Vested Pension Benefits and Lealta Foundation for Vested Pension Benefits.

Choose a solution full of advantages

The need for a vested benefits account arises when specific events occur, such as a change of employer, sabbatical leave, cessation of work, loss of employment, becoming self-employed, planning for retirement, divorce, or leaving Switzerland.

With a vested benefits account, you can invest your 2nd pillar pension capital in a safe place and continue to enjoy the protection of occupational pension provision.


In your first meeting, benefit from the advice of a professional and plan the best possible investment of your pension capital.

Tax optimisation

Take advantage of our partnerships with two vested benefits foundations and optimise your planning over time.

Diversified choices

Choose from investment products from UBS, Pictet, Swisscanto, and Swiss Life, with the advantageous terms of institutional investment products.

Account conditions

  • The vested benefits account is part of a banking package (CA Extra or CA First)
  • 1 account per client and per foundation
  • Transfer from another pension fund
  • Fee regulations of the chosen pension fund are applied
  • Opening a vested benefits savings account or investment fund account: free of charge
  • Vested benefits account: interest rate 1.00%1

Conditions for early withdrawal

Early retirement

For early retirement.


If you leave Switzerland permanently.


Start your own business and become self-employed.


Simple transfer from another pension scheme

Transfer to one of the two Liberty foundations or to both at the same time

Liberty Pension Funds

The vested benefits accounts in savings and/or investment funds described above are opened with the following foundations (Liberty Group).

Liberty Foundation for Vested Pension Benefits

Lealta Fondation de Libre passage