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Flexible vested benefit solutions

A vested benefit account secures your occupational benefits when there is gap between your departure from the pension fund and your admission to a new employee benefits institution. We help you put a clear benefits strategy and a matching investment solution in place for any planned interruption of your employment.

Exclusive parking space for your vested benefits

Thanks to our vested benefits foundations PensFree and Independent, our clients benefit from tax-privileged advantages for up to five years after reaching regular retirement age.

  • Vested benefit accounts mean independent choice of investments and hence greater diversification.
  • A separately managed vested benefit custody account offers more flexibility when it comes to withdrawals in the 2nd pillar on retirement.
  • No cross-subsidisation of survivors’ benefits. In the event of death, the pension assets are disbursed to the heirs in full.

Facts at a glance

  • Two foundations for an optimal structure
  • Foundation headquarters in the Canton of Schwyz
  • No tax on earnings or wealth tax
  • Can be maintained until the age of 70
  • Flexible benefit structure in the event of death

Our solutions

PensFree

We help you structure your occupational benefits to meet your specific needs. PensFree is an independent vested benefits institution offering a wide range of investment solutions.

  • Individual investment strategy and harmonisation with private assets
  • Securities can be transferred to private assets on a one-to-one basis
  • Tax-free interest and dividend income

Independent

Comprehensive transparency, high efficiency and optimal value creation. Independent combines all this for people who are changing careers, taking up self-employment, leaving Switzerland permanently or getting divorced.

  • Individual investment solution and harmonisation with private assets
  • Insurance cover (death and disability) available on request
  • Tax-free transfer of UK pension fund assets (recognition of UK tax authorities)

Please do not hesitate to contact us for a consultation

Marco Danelli

Head of Pension

+41 41 249 49 68

Aktuelles

General 08.08.2025 Jürg Staub

Swiss pharmaceutical industry facing political headwinds

The pharmaceutical industry is currently high on Donald Trump’s list of priorities. He wants more production and jobs in the US, as well as lower drug prices. As a means of exerting pressure, he is threatening to impose price caps and introduce tariffs on drugs. These goals are, of course, contradictory, which is causing even more uncertainty.

Read more
General 04.08.2025 Dr. Matthias Ramser

Market commentary on the US trade conflict with Switzerland

The list of new customs measures against Switzerland, published on the night of Swiss National Day on August 1, came as a surprise. The economic impact of the tariffs is significant.

Read more
STIFTENS-WERT 18.07.2025 Nicole Brast

Lucerne lacks a foundation culture

For the first time, a study shows how differently cantons exempt foundations from taxes. Zurich recently liberalized its practice. How is Lucerne reacting?

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News

General 08.08.2025 Jürg Staub

Swiss pharmaceutical industry facing political headwinds

The pharmaceutical industry is currently high on Donald Trump’s list of priorities. He wants more production and jobs in the US, as well as lower drug prices. As a means of exerting pressure, he is threatening to impose price caps and introduce tariffs on drugs. These goals are, of course, contradictory, which is causing even more uncertainty.

Read more
General 04.08.2025 Dr. Matthias Ramser

Market commentary on the US trade conflict with Switzerland

The list of new customs measures against Switzerland, published on the night of Swiss National Day on August 1, came as a surprise. The economic impact of the tariffs is significant.

Read more
STIFTENS-WERT 18.07.2025 Nicole Brast

Lucerne lacks a foundation culture

For the first time, a study shows how differently cantons exempt foundations from taxes. Zurich recently liberalized its practice. How is Lucerne reacting?

Read more