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

Aktuelles

“We believe in the ideas of freedom,” says Federico Sturzenegger.

It was state laws that secured the privileges of a select few in Argentina, said Prof. Dr. Federico Sturzenegger, Minister for Deregulation and State Reform of the Republic of Argentina, during the Reichmuth & Co Lecture No. 27 at the University of Zurich.

Read more

Market commentary 4th quarter 2025

The US government’s policies are causing uncertainty and shifting the world order. The most visible sign of this is the significant weakness of the dollar. Europe is investing heavily in infrastructure and defense, while China is seeking new trading partners. We show which investment opportunities this is creating in the regions.

Read more

Liability instead of rescue – an appeal from private bankers to politicians

As part of a broad-based initiative to strengthen personal responsibility in the banking sector, a guest article entitled “Haften statt retten” (Liability instead of rescue) was published in the Neue Zürcher Zeitung (NZZ) on September 1, 2025. The article was written by Christian Bidermann, partner at Rahn & Bodmer and Jürg Staub, general partner at Reichmuth & Co.

Read more

News

“We believe in the ideas of freedom,” says Federico Sturzenegger.

It was state laws that secured the privileges of a select few in Argentina, said Prof. Dr. Federico Sturzenegger, Minister for Deregulation and State Reform of the Republic of Argentina, during the Reichmuth & Co Lecture No. 27 at the University of Zurich.

Read more

Market commentary 4th quarter 2025

The US government’s policies are causing uncertainty and shifting the world order. The most visible sign of this is the significant weakness of the dollar. Europe is investing heavily in infrastructure and defense, while China is seeking new trading partners. We show which investment opportunities this is creating in the regions.

Read more

Liability instead of rescue – an appeal from private bankers to politicians

As part of a broad-based initiative to strengthen personal responsibility in the banking sector, a guest article entitled “Haften statt retten” (Liability instead of rescue) was published in the Neue Zürcher Zeitung (NZZ) on September 1, 2025. The article was written by Christian Bidermann, partner at Rahn & Bodmer and Jürg Staub, general partner at Reichmuth & Co.

Read more