Austritt aus der Pensionskasse
Your opportunity to optimise your occupational pension.
In the event of a change of employment or temporary unemployment, your pension fund assets need to be transferred. The termination benefit to which you are entitled includes the pension assets you have contributed, employer and employee contributions paid in, interest and voluntary purchases. We will be happy to present you with the various options that are now open to you.
In the event of a change of employment or temporary unemployment, your pension fund assets need to be transferred. The termination benefit to which you are entitled includes the pension assets you have contributed, employer and employee contributions paid in, interest and voluntary purchases. We will be happy to present you with the various options that are now open to you.
Your termination benefit can be transferred to a vested benefits account. The interest and capital gains on this account are exempt from income and wealth tax.
If you leave Switzerland permanently, you can request cash payment of your pension fund assets. Please note that the mandatory part (BVG portion) must remain in Switzerland if you move away to an EU/EFTA country.
If financial security is important to you, you can optimize your pension planning with a lifelong retirement pension. You can also combine the retirement pension with a lump-sum withdrawal. If you wish, a partner's pension can also be insured.
With an early withdrawal from the pension fund, pension assets are used for higher equity and lower mortgages. The disadvantage is that any pension gaps created must be closed again independently before the start of retirement, otherwise there is a risk of lower benefits in old age.
Occupational benefits are not mandatory for self-employed persons. They can therefore have their saved pension capital paid out in cash within one year from the time they start their self-employment in their sole proprietorship or general partnership.
Optimal protection with insurance coverage
After leaving the Novartis Pension Fund, there is a follow-up coverage period of 30 days. After that, you are no longer insured against the risks of death and disability. With the Independent Vested Benefits Foundation, you have the option of taking out optional insurance coverage.