Save On Taxes & Grow Your Wealth
Vested Benefits
Account
We help you make the most of your vested benefits account (2nd pillar), whether you’re staying in Switzerland or moving abroad.
What taxes should you look out for? Where should you invest your pension savings? And how can you stay flexible for whatever comes next? With FIN, you get a clear and simple plan tailored to you, so you can maximise your long-term returns.
What is a vested benefits account?
A vested benefits account is a safe place for your pension savings after you leave your employer. It makes sure your wealth stays protected and continues to grow until you decide your next step.
Our independent advice makes the process simple – helping you find lower fees, pay fewer taxes, and understand exactly how your pension is being managed.
Job Change
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With FIN, your pension assets are transferred and invested optimally, with no gaps and maximum tax advantages. You get a clear strategy that fits your goals, so no Swiss Franc goes to waste.
Many pension funds pass on investment returns to their members reluctantly, leaving employees with low interest rates. Since vested benefits often sit untouched for years, a job change is the perfect chance to explore better options and invest your capital for greater growth.
Maternity Leave
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We show you how to avoid pension gaps and choose smart options so your long-term wealth stays intact.
Moving Abroad
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FIN gives you a personalised, compliant, and tax-optimised plan. We help you manage your vested benefits account, choose the right timing for transfers, and understand the rules in your new country so you avoid costly mistakes.
Unemployment
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Just two steps to your vested benefits goals
Initial Consultation & Assessment
Step one
Tell us about your situation.
In our initial, no-obligation consultation, we take the time to understand your unique needs,
completely free of charge.
We’ll agree on a package and collect the necessary information to get started.
From the very beginning, you’ll benefit from full transparency with our clear, fixed rates-no hidden fees or unexpected costs.
Execute Your Strategy
Step two
Whether you’re transferring or withdrawing capital, we guide you through the process and make sure your investment matches your goals.
You always know what to expect
Our flat-rate model adjusts to your situation and is made up of transparent components.
Basic Package
Make the most of all available tax deductions.
- Tax return filing
- Deadline extension
- Add-ons based on complexity
from CHF 280
Most appreciated
Premium Package
We fully represent you with the tax authorities & take care of all the tax hassle for you.
- Everything from Basic
- Personal consultation
- Full representation
- Document requests from tax authorities
- Tax objection
from CHF 1’180
All Inclusive
Moving to Switzerland or not — we’ve got you covered.
- Everything from Premium
- Priority processing
- Tax optimization strategy
- No extra charges
from CHF 4’800
Additional Services
Mid-year tax filing
CHF 150
Special cantons
CHF 100
Double income
CHF 200
Inter-cantonal property allocation
CHF 200
International asset allocation
CHF 200
Real estate per property
CHF 150
Real estate cost breakdown
CHF 250
Asset declarations
(e.g. bank accounts; debts)
CHF 10 per item
Alimony payments
CHF 50 per item
Self-employed Form A
CHF 150
Form DA-1
(foreign withholding tax)
CHF 200
Simple representation
CHF 400
Full representation incl. objection
+CHF 600
Fast delivery
(within 5 days)
CHF 200
Urgent cases
Double rate
Withholding tax rate correction
from CHF 300
Truly Independent Financial Advice
Find your North
Star
We believe true financial advisory – it s about understanding where you want to go.
Meet FIN in an initial consultation — and let us get to know you. Together, we ll find your North Star from where you stand in life.
Transparent, tailored to your needs, and always by your side.
Questions still lingering?
We’re here with the answers you need.
Here’s what people often want to know before getting started with FIN.
What are the tax impacts when moving abroad with my vested benefits account?
The key is the double taxation agreement between Switzerland and your new country. We check which country has the right to tax your benefits and set up the best strategy.
How high are the taxes in Switzerland on vested benefits accounts?
Income like interest and dividends are tax-free. No wealth tax applies.
How much tax do I pay when withdrawing capital in Switzerland?
Depending on the amount and your location, between 4% and 15%.
Can I make additional tax-deductible payments into my vested benefits account?
No, unfortunately that’s not legally allowed.
How do I transfer my pension fund money to a vested benefits account?
Open an account, inform your last pension fund, and organise the transfer easily with the official form.
When does an investment make sense?
It depends on your financial and personal situation. Generally, if you can do without the money and don’t need a withdrawal, check your investment horizon, risk profile, and your new pension fund.
When does an investment not make sense?
a. Shortly before retirement or if you plan to withdraw the capital soon.
b. If your new pension fund uses a defined contribution scheme and calculates benefits (death/disability) from your transferred assets.
How safe is my vested benefits capital?
Pension assets (2nd and 3rd pillar) are legally protected (BVV2). Regulatory investment requirements mean your money is always secure.