Private Clients Institutional Clients
Open Page
Open Page

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

Latest News

General 14.04.2022 Philipp Murer

25 years Reichmuth Pilatus

Our Reichmuth Pilatus fund celebrates its 25th anniversary. We had the pleasure of welcoming around 100 guests to the anniversary. Speakers from companies we know well gave interesting and informative insights into their current environment.

Investing 31.03.2022 Dr. Matthias Ramser

Video Market Outlook 2nd Quarter 2022

With the war in Ukraine and the sharp sanctions imposed by the West, inflationary pressure has increased once again due to rising commodity prices. The West’s sanctions are even so far-reaching that Russia’s central bank reserves have also been frozen. China has not taken a clear position, which raises questions about the future world order.

Investing 24.02.2022 Dr. Matthias Ramser

Brief update Ukraine conflict

With the start of military action in Ukraine, the crisis has reached a new level of escalation. The stock markets reacted with significant declines. The oil price continues to rise, threatening a stagflationary environment for Europe in particular.

News

General 14.04.2022 Philipp Murer

25 years Reichmuth Pilatus

Our Reichmuth Pilatus fund celebrates its 25th anniversary. We had the pleasure of welcoming around 100 guests to the anniversary. Speakers from companies we know well gave interesting and informative insights into their current environment.

Investing 31.03.2022 Dr. Matthias Ramser

Video Market Outlook 2nd Quarter 2022

With the war in Ukraine and the sharp sanctions imposed by the West, inflationary pressure has increased once again due to rising commodity prices. The West’s sanctions are even so far-reaching that Russia’s central bank reserves have also been frozen. China has not taken a clear position, which raises questions about the future world order.

Investing 24.02.2022 Dr. Matthias Ramser

Brief update Ukraine conflict

With the start of military action in Ukraine, the crisis has reached a new level of escalation. The stock markets reacted with significant declines. The oil price continues to rise, threatening a stagflationary environment for Europe in particular.