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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

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Investing 02.10.2024 Dr. Matthias Ramser

Market commentary 4th quarter 2024

With the Fed’s interest rate cuts in the USA, the last major global central bank has now entered the interest rate cut cycle.

Read more
High-voltage lines on steel structures with wires against the background of the sky with clouds
Investing 10.09.2024 Dr. Matthias Ramser

Electrification of the world

Following a decline in demand for electricity over the last two decades, we are now at a turning point. The electrification of heating systems, increasing electromobility, industrial automation and power-intensive data centers are just a few examples.

Read more
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«We are experiencing a difficult phase of deglobalisation»

We are currently in a difficult phase of deglobalisation, says Prof. Dr. Dr. h.c. Harold James in his Reichmuth & Co Lecture No. 24 on 17 June 2024 in the packed auditorium of the University of Zurich.

Read more