Your Vested Benefits (BVG/LPP) deserve better
Job change, leaving Switzerland or self-employment — your vested benefits are often poorly optimised. Get independent advice to make the most of them.
✦ Independent 30-minute analysis • No obligation • No product pushing
Objective, Regulated & Independent Advice
No ties to any financial institution. No product pushing. Only your best interest.
Independent Advisor
Not tied to any bank or financial institution. Objective analysis based solely on your situation.
FINMA Licensed
Officially registered with the Swiss financial markets supervisory authority.
10+ Years Experience
Deep expertise in the Swiss occupational pension system and vested benefits accounts.
What your consultation includes
Free 30-minute call, no obligation
Analysis of your situation
Full review of your current vested benefits and available options based on your situation.
Optimisation strategy
Personalised recommendations to maximise returns and minimise your tax burden.
No-pressure environment
No product pushing. You leave with clear information, not obligations.
All advice provided follows FINMA guidelines. Information shared is for informational purposes and does not constitute personalised financial advice in the legal sense.
When Can You Invest Your Vested Benefits?
Several situations allow you to optimise or withdraw your vested benefits. Find out which applies to you.
Job Change
When changing jobs, your vested benefits are transferred to a vested benefits account. It's the ideal moment to optimise their placement.
Leaving Switzerland
If you permanently leave Switzerland, you can withdraw your vested benefits. Careful tax planning can significantly reduce the tax burden.
Self-Employment
Becoming self-employed allows you to withdraw your vested benefits to fund your activity. Specific rules apply depending on your situation.
Make Your Vested Benefits Work Smarter
Thousands of Swiss francs sit in low-yield vested benefits accounts every year. With the right strategy, your capital can work for you.
Superior Returns
Bank vested benefits accounts often offer very low rates. Adapted investment solutions can generate significantly higher returns over the long term.
Tax Optimisation
The timing and method of withdrawing your benefits has a significant tax impact. A well-planned strategy can significantly reduce your tax burden.
Security & Flexibility
Choose between security and growth according to your risk profile and investment horizon. Solutions adapted to every situation.
The Solutions I Propose for Your Vested Benefits
After analysing your situation, I guide you towards the best investment solutions for your vested benefits. Here are the two banking solutions I recommend for their performance and flexibility.
Pure investment — no insurance component
Banking vested benefits accounts offer more flexibility and return potential than insurance solutions. Ideal for growing your assets over the long term.
Banking vested benefits solutions are investment accounts with no insurance component. They offer more flexibility (no fixed term, withdrawals possible under legal conditions) and are ideal for people who want to maximise the performance of their vested benefits without paying for insurance coverage.
Zugerberg Finanz — Libre Passage
Actively Managed Diversified Portfolio
Zugerberg Finanz offers a vested benefits solution with active portfolio management. Their diversified allocation with a significant equity component is ideal for people seeking professional management of their vested benefits over the long term.
Key Strengths
- Active professional management
- Strong equity component
- Fee transparency
- Solid performance track record
Lemania — Libre Passage
Personalised Pension Planning Solution
Lemania offers a personalised approach to Swiss pension planning, with vested benefits solutions tailored to each client's specific needs. Their votre-prevoyance.ch platform provides access to flexible and transparent solutions, particularly well-suited for French-speaking Swiss residents.
Key Strengths
- Local French-Swiss advisory
- Tailored solutions
- Intuitive digital platform
- Transparent approach
Optimise Your Vested Benefits
Get an independent expert opinion from a FINMA-licensed advisor. Together, we will analyse your options to maximise your vested benefits.