The Swisscanto Vested Benefits Foundation


The Swisscanto Vested Benefits Foundation is part of the Swisscanto Foundations and offers vested benefits accounts with advantageous conditions across Switzerland. If an employee gives up gainful activity (for example due to a period of time spent living abroad, the birth of a child or further education/training), the pension assets from the 2nd pillar can be “temporarily stored” in a vested benefits account. Each vested benefits account opened with the Swisscanto Vested Benefits Foundation is entirely free of charge for the account holder: Opening, management and closing are all free of any fees. Capital held in a vested benefits account is also not subject to wealth tax. The capital is only taxed if it is paid out – which is only possible under certain conditions – and at a reduced rate or at the rate of tax at source. As soon as you resume your professional activity, the Swisscanto Vested Benefits Foundation will transfer your pension fund assets to your current employer's pension fund in accordance with your instructions.

Help choose the yield – as well as the risk

You, as the insured party, can help to decide how the  assets on your vested benefits account are invested. Your vested benefits assets can either receive interest from the cantonal bank of your choice at an attractive rate or be used for investment saving. The second option entails increased risks, but depending on the selected investment strategy may also offer increased yields. Investment saving means that you, as the holder of the vested benefits account, help to decide how they are invested. This allows you to benefit from developments in financial markets. Investment saving entails performance and price risks. These risks – even when properly considered – are entirely borne by you; the Foundation accepts no liability.

Which investment group will you choose? You decide!

If you decide on investment saving, you can choose from various investment groups. These always fulfil the legal investment requirements under OOB2. All investment groups are compiled and managed by the Swisscanto Investment Foundation. With investment saving you are purchasing rights. You will need to issue the order for the initial purchase of these rights in writing using the "Investment saving" form. On the second page of the “Appendix to the regulations of the Swisscanto Vested Benefits Foundation” you can find all the relevant information about fees. You will also find out where to submit your order for the initial purchase of rights.

Please don't hesitate to enquire should anything be unclear: or 058 280 11 55. We are happy to answer any questions.