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.
Your pension, your choice.
Leaving an employer is a pivotal moment — the right decision today shapes the wealth you'll have tomorrow.
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.
Job Change
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A unique opportunity to rethink your pension and split your assets for more flexible investing.
With FIN, your pension assets are transferred and invested optimally, with no gaps and maximum tax advantages. Many pension funds pass on investment returns reluctantly — a job change is the perfect chance to explore better options.
Maternity Leave
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Keep your pension coverage strong during your time away from work.
FIN ensures your assets stay secure and continue to grow, helping you stay ahead financially while you focus on your newborn. We show you how to avoid pension gaps and choose smart options.
Moving Abroad
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Cross-border moves are filled with tax and regulatory pitfalls, but they don't have to be.
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.
Unemployment
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Even in uncertain phases, your pension doesn't need to stand still.
With FIN's advice, your assets remain active, earning interest, and fully flexible. We guide you through transfer decisions, tax considerations, and smart investment choices so your pension remains future-proof.
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.
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.
Questions still lingering?
We're here with the answers you need.
Here's what people often ask about vested benefits accounts 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.
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.