Customisation
In your first meeting, benefit from the advice of a professional and plan the best possible investment of your pension capital.
2nd pillar account Vested benefits
Keep the freedom to make the best choices for your future with a vested benefits account in savings and/or investment funds.
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 pension capital from the 2nd pillar in a safe place and continue to enjoy the protection of occupational pension provision.
Choose from investment products from UBS, Pictet, Swisscanto, and Swiss Life, at the attractive conditions offered by institutional investment products.
Tax optimisation
Take advantage of our partnerships with two vested benefits foundations and optimise your planning over time.
Dynamic capital
Invest in pension funds issued by well-known companies on the Swiss market.
Account conditions
- The vested benefits account is part of a banking package (CA Start, CA Extra, CA First)
- 1 account per client and per foundation
- Transfer from another pension fund
- Application of the fee regulations of the chosen pension fund
- Opening a vested benefits savings account or investment fund account: free of charge
- Vested benefits account: interest rate 1.00%*
- Vested benefits deposit: flat-rate fee of 1% per annum, deducted monthly from pension assets. For Swiss residents only
Conditions for early withdrawal
Early retirement
For early retirement.
Emigration
If you leave Switzerland permanently.
Real estate
When you buy your principal residence.
Entrepreneurship
Start your own business and become self-employed.
Mortgage
To amortise or repay your mortgage.
Transfer
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).