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2nd Pillar
Vested Benefits Account
Keep the freedom to make the best choices for your future:
Vested benefits account in retirement savings and/or investment fund

Vested benefits
Choose a solution that's full of advantages

Pension plan offer in partnership with Liberty Foundation for Vested Pension Benefits and Lealta Vested Benefit Foundation.

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

The vested benefits account allows you to transfer your retirement capital from the 2nd pillar to a safe place and continue enjoying the protection of occupational pension schemes.

Personalisation

In your first meeting, get professional advice and plan the best possible investment of your retirement capital.

Tax optimisation

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

Boost your capital

Invest in pension funds issued by recognised companies on the Swiss market. Choose funds with up to 85% in equities.

Choice of 5 investment product issuers

Choice of investment products from UBS, Crédit Suisse, Pictet, Swisscanto, and Swiss Life with the favourable conditions of institutional investment products.

Sign up for a Vested Benefits Account

Vested benefits account conditions

Pension plan offer in partnership with the Liberty pension foundations.

Product conditions

  • The vested benefits account is included in the CA EssenCiel Pack.
  • 1 account per client and per foundation
  • Transfer from another pension fund
  • Selected pension foundation’s fee schedule applied
  • Opening a vested benefits account for savings and/or investment funds: free
  • Vested benefits account: 0.01% remuneration rate
  • Vested benefits deposit: 1% flat fee per year, deducted monthly from the retirement assets . Only available to Swiss residents.

Liberty pension foundations

  • The vested benefits accounts for savings and/or investment funds described above are opened with the following foundations (Liberty Group):
    1. Liberty Foundation for Vested Pension Benefits
    2. Lealta Vested Benefit Foundation

Conditions for early withdrawal

  • In the context of early retirement
  • In the event of departure from Switzerland
  • When buying your primary residence
  • To launch your business and become self-employed
  • To amortize or reimburse your mortgage loan
  • Other withdrawals are possible according to conditions provided for by law

Transfer

  • Easy transfer from another pension institution
  • Transfer to one of the two Liberty foundations, or towards both at the same time
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