Vested benefits account 2nd pillar

Deposit your pension fund assets safely

Whether you’re going on maternity leave or spending time abroad – the vested benefits account from PostFinance is the ideal solution when you give up employment on a temporary or permanent basis. Deposit your retirement assets from employee benefits safely.

Vested benefits account 2nd pillar: deposit your assets safely

  • Invest in the long term

  • Purchase a retirement fund commission-free and pursue a returns-oriented saving strategy

  • Finance your own home with an advance withdrawal or pledge

  • When do vested benefits arise

    • You temporarily give up employment (e.g. interruption due to a change of job, maternity or paternity leave or unemployment)
    • You give up employment for a longer period of time or permanently (e.g. as a result of leaving Switzerland for good)
    • Your income is now below the insurable limit (e.g. due to part-time work)
    • You change employer and can’t transfer your entire vested benefits to the new pension fund
    • You become self-employed (employee benefits scheme is not compulsory for self-employed persons)
    • You are entitled to a portion of your spouse or registered partner’s retirement assets in the event of divorce proceedings or the dissolution of a registered partnership

    Investing your vested benefits assets in retirement funds

    You have the option of investing all or part of your vested benefits assets in retirement funds.

    Grounds for payouts

    Are you buying a house or an apartment? Are you becoming self-employed or emigrating? These are all reasons to draw on your vested benefits assets.

  • Combination with retirement funds

    You can invest all or part of your vested benefits assets in retirement funds, which means that you actively participate in the performance of the capital markets. Experience shows that you can achieve a higher return over the long term with fund investments. Experience shows that when there are large fluctuations, you can still achieve a higher return over the long term with fund investments. You can invest in the PF Pension – ESG 25 Fund, the PF Pension – ESG 50 Fund and the PF Pension – ESG 75 Fund.

    The benefit for you: you pay no issue or redemption commission and no custody account fees.

    No notice period

    You can draw on your vested benefits assets without giving notice.

    Tax benefits

    Your vested benefits capital and the resulting income are tax-exempt. You can benefit from a reduced tax rate for lump sum payments.

    Financing home ownership

    You can use your vested benefits account assets to finance an owner-occupied property with an advance withdrawal or pledge.

  • Vested benefits account 2nd pillar

    Account balancing
    Free of charge
    Account management
    CHF 9 per quarter
    Account closing
    Free of charge
    Purchase of securities
    Free of charge
    Sale of securities
    Free of charge
    Advance withdrawal (encouragement of home ownership)
    One-off handling fee of CHF 400 for payout
    Pledging (encouragement of home ownership)
    Free of charge
  • PostFinance Ltd offers vested benefits accounts in cooperation with a partner and has entered into a contractual relationship with “Rendita Vested Benefits Foundation” for this purpose. When vested benefits assets are deposited as savings, Rendita invests them with PostFinance Ltd. If PostFinance Ltd were to become insolvent, assets in vested benefits accounts would enjoy privileged protection of up to CHF 100,000 per customer (regardless of other deposits). If an account holder simultaneously manages vested benefits assets and 3a retirement assets via various foundations that invest the funds with PostFinance Ltd, the maximum privileged protection of CHF 100,000 applies to each product. Assets in vested benefits accounts that are invested in funds are protected as segregated assets in accordance with the Collective Investment Schemes Act (CISA). If Rendita Vested Benefits Foundation were to become insolvent, bankruptcy proceedings would be carried out as per the usual legal procedure.

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