Lump-sum or retirement pension?
There are some important points to bear in mind when withdrawing pension assets. Take planning into your hands at an early stage.
PensFree always organises pension fund assets as retirement capital. However, if you prefer a retirement pension, the solution is: Independent. Our second vested benefits foundation offers you a lifelong retirement pension. Like PensFree, Independent is a PensExpert innovation – with the same expertise and value preservation.The retirement capital can be paid out up to five years before the normal AHV retirement age.
Transfer to private assets
PensFree enables you to transfer your securities custodian account to private assets if you withdraw capital.
Additional withdrawal options
Scenario 1: You become self-employed
Vested benefits can be paid out if you assume self-employment as your main occupation and are no longer affiliated to a pension fund. In this case, the withdrawal must be during your first year of self-employment.
Scenario 2: Early withdrawal for home ownership
You may withdraw vested benefits either in part or in full to finance owner-occupied residential property.
Scenario 3: You leave Switzerland permanently
You may qualify for a payout if you leave Switzerland permanently.