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

reichmuth-privatbankiers-kundensegmente

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

The 2021 german federal election and its consequences

On September 26, 2021, the time has come: Germany is due to hold its general election. The rollercoaster ride of the polls in recent weeks and months suggests that this year’s elections will be interesting.

Ten reasons to separate occupational provisions

Pension fund assets are one of the largest asset positions many employees will have. A pension fund is often also something of a closed book for just as many employers.Besides making “value-preserving” investments in a property, structuring the 2nd pillar in the right way is one of the most efficient methods for tax optimisation.

Buying opportunity in Chinese stocks?

The drastic regulations in China for private education companies led to panic selling of Chinese shares at the end of July. Many investors have the impression that the government around President Xi Jinping wants to curb the influence of the private sector and thus consolidate power with the increase in regulation. Everything to do with China is being questioned.

News

The 2021 german federal election and its consequences

On September 26, 2021, the time has come: Germany is due to hold its general election. The rollercoaster ride of the polls in recent weeks and months suggests that this year’s elections will be interesting.

Ten reasons to separate occupational provisions

Pension fund assets are one of the largest asset positions many employees will have. A pension fund is often also something of a closed book for just as many employers.Besides making “value-preserving” investments in a property, structuring the 2nd pillar in the right way is one of the most efficient methods for tax optimisation.

Buying opportunity in Chinese stocks?

The drastic regulations in China for private education companies led to panic selling of Chinese shares at the end of July. Many investors have the impression that the government around President Xi Jinping wants to curb the influence of the private sector and thus consolidate power with the increase in regulation. Everything to do with China is being questioned.