Vested Benefits
Smarter Vested Benefits, Stronger Retirement Security
Your Savings Deserve Stability. Your Future Shouldn’t Wait.
Lost contributions. Forgotten accounts. Unused potential. These are the realities when vested pension assets are left unmanaged. At Vita Finance, we make sure your retirement savings stay secure—and continue to grow—no matter what life throws your way.
We don’t just compare rates—we guide you toward the best-fit vested benefits account based on your goals.
- Keep your 2nd pillar savings safe between jobs or abroad
- Avoid account dormancy and unclaimed funds
Maintain continuity in your retirement planning
92% of our clients avoid dormant account penalties
75% increase their savings with long-term investment strategies
We help you preserve what you’ve earned—and put it to work for your future.
Managing Vested Benefits: Here’s Where to Start.
Pick the Right Foundation
Choosing the right vested benefits provider keeps your pension assets safe and accessible. We help you find the one that fits your plans.
Invest with Intention
Not rejoining an employer yet? You can invest your vested funds securely with strategies that match your goals and risk appetite.
Avoid Lock-In Mistakes
Leaving Switzerland or becoming self-employed? We help you understand when and how you can legally access your funds early.
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Insurance Services
Vested Benefits That Move With You
Your career or life path may shift, but your pension savings shouldn’t stall. Whether you’re between jobs, moving abroad, or starting something new, we help you choose the right vested benefits solution—aligned with your long-term goals.
With Vita Finance, you’ll explore clear options like:
- Savings Security Keep your pension assets protected in a vested account until you’re back with a new employer.
- Investment Flexibility Opt for conservative or growth-oriented funds—designed to match your timeline and risk tolerance.
- Withdrawal PlanningUnderstand legal scenarios for early withdrawal—retirement, relocation, or self-employment.
- Smooth Fund Transfers Easily transfer savings to your new pension provider when re-employed or returning from abroad.
Everything You’ve Been Wondering About Vested Accounts—Answered
Straightforward answers to help you make informed decisions about managing your vested pension assets in Switzerland.
Vested benefits are your accumulated occupational pension savings (2nd pillar) that must be transferred to a vested account when you’re no longer with an employer—such as during a job change, career break, or move abroad.
If no account is opened, your funds are transferred to a default national foundation, which may not offer optimized returns. Choosing your own provider gives you control and better outcomes.
Early withdrawal is allowed for reasons such as becoming self-employed, buying a home, or moving outside the EU/EFTA. We’ll guide you through eligibility and process.
Your vested benefits must be transferred into your new employer’s pension fund. We ensure this happens smoothly and on time.
They’re taxed at a reduced rate upon withdrawal, which varies by canton. We provide projections to help you plan better.
Funds are distributed in a legally defined order among eligible beneficiaries. With Vita Finance, we help you document your wishes to ensure clarity and security.
Yes, multiple accounts are allowed. Strategic splitting may also support more favorable tax planning at the time of withdrawal.
Need Help Choosing the Right Plan?
Speak with a licensed expert and get a free, personalized comparison in minutes. Whether you’re switching providers or insuring your family for the first time, we’re here to make it simple and stress-free.