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

Video Market Outlook 1st Quarter

With the economic recovery, the stock markets also performed well last year. However, we are not only taking the positive economic momentum into the new year, but also the consequences of the ultra-loose monetary policy. The pandemic is not yet over, and the huge fiscal policy to stimulate the economy is also a concern.

privatbank-reichmuth-anlageberatung

Market outlook 2022 – «Tempora mutantur»

Recording of our «Market Outlook 2022»

Video Market Outlook 4th Quarter

In the past quarter, the stock markets moved sideways, with the economy losing momentum. The global growth engine China has started to sputter. As China stabilizes, we expect the global cyclical recovery to resume in the final quarter.

News

Video Market Outlook 1st Quarter

With the economic recovery, the stock markets also performed well last year. However, we are not only taking the positive economic momentum into the new year, but also the consequences of the ultra-loose monetary policy. The pandemic is not yet over, and the huge fiscal policy to stimulate the economy is also a concern.

privatbank-reichmuth-anlageberatung

Market outlook 2022 – «Tempora mutantur»

Recording of our «Market Outlook 2022»

Video Market Outlook 4th Quarter

In the past quarter, the stock markets moved sideways, with the economy losing momentum. The global growth engine China has started to sputter. As China stabilizes, we expect the global cyclical recovery to resume in the final quarter.