Account savings

Your cantonal bank pension advisor will be happy to provide you with further information on our solutions.

What is a vested benefits account?

Contributions to the pension fund

In Switzerland, as an employee you are insured with a pension fund as of a minimum annual salary.

You pay monthly contributions into the pension fund. They are deducted directly from your salary. Your employer also participates and pays at least the same amount of contributions into your account.

Contributions to the pension fund

In Switzerland, as an employee you are insured with a pension fund as of a minimum annual salary.

You pay monthly contributions into the pension fund. They are deducted directly from your salary. Your employer also participates and pays at least the same amount of contributions into your account.

Vested benefits solution

If you are no longer affiliated with a pension fund, the money must be transferred to a vested benefits account at a vested benefits institution of your choice.

Vested benefits solution

If you are no longer affiliated with a pension fund, the money must be transferred to a vested benefits account at a vested benefits institution of your choice.

Object of the pension fund

As is the case with pension funds, the money in your vested benefits account is intended for the third period of life. When you reach retirement age, the capital will be transferred to you as a one-time payment. As a rule, early payment to your private account is not provided for.

Object of the pension fund

Early payment

The law provides for early cash payment in certain exceptional circumstances (e.g. when you take up a self-employee activity, for promotion of home ownership). Your vested benefits institution will be pleased to inform you.

Early payment

Pension Fund Regulations Swisscanto VBF

Pension Fund Regulations Swisscanto VBF

Important

Generally, your pension fund credit remains in a so-called "pension cycle", which means that the money cannot be paid out into your private account. Instead, it is transferred to your next employer’s pension fund.

Good to know

If you are insured by a new pension fund, by law you must transfer the credit from your vested benefits account to your new pension fund to the greatest extent possible.
In contrast to pension funds, vested benefits foundations often allow for you to invest your money in retirement funds in order to increase your income – this is the case for the Swisscanto Vested Benefits Foundation and its "Investment Saving" product.

Inform your foundation directly if you change your place of residence.

We look forward to hearing from you.