{"id":2292,"date":"2022-10-26T09:34:14","date_gmt":"2022-10-26T09:34:14","guid":{"rendered":"https:\/\/swiss-prime.ch\/?page_id=2292"},"modified":"2024-08-05T14:04:24","modified_gmt":"2024-08-05T14:04:24","slug":"vested-benefit-solutions","status":"publish","type":"page","link":"https:\/\/swiss-prime.ch\/en\/vested-benefit-solutions\/","title":{"rendered":"Vested Benefit Solutions"},"content":{"rendered":"

Leaving Switzerland? Explore Our Vested Benefit Solutions<\/h1>\n

If you’re planning to leave Switzerland due to unemployment, a career break, further training, or maternity leave, it’s crucial to manage your pension fund correctly. One important step is to transfer your pension assets to a vested benefits account. This account safeguards your occupational pension savings until you resume employment in Switzerland or reach the eligibility to access your pension.<\/p>\n

When Do You Need Vested Benefit Solutions?<\/h2>\n

You need to consider vested benefits solutions when your annual income drops below CHF 22,010, as you are no longer required to contribute to pillar 2. However, this does not mean you have free access to your accumulated capital. Instead, you must transfer your savings to a vested benefits account with a financial institution of your choice. This ensures that your pension savings are securely managed until you can access them.<\/p>\n

If you start working in Switzerland again, you will need to transfer the funds from your vested benefits account to your new pillar 2 account under your new employer\u2019s pension plan. Failing to open a vested benefits account will result in your pillar 2 capital being automatically moved to the Substitute Occupational Benefit Institution. This is less advantageous if you’re looking to optimize returns, so proactive management is key.<\/p>\n<\/div>

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