independent
The independent vested benefits institution with an additional pension option.
Your benefits with independent
Individual investment strategy: The independent vested benefits foundation offers you customised investment solutions based on your personal risk tolerance and financial situation. Various investment opportunities such as investment foundations and funds are available to you. By gaining access to institutional fee structures, you benefit from lower costs, which improves the return on your investments in the long term.
Insurance cover: Many pension funds are unable to offer today’s working nomads a satisfactory pension solution. With independent, you will receive the advice you need with needs-based insurance models. As a vested benefits foundation with wide-ranging expertise in pension provision, we can close gaps in your insurance cover for death and disability and ensure you have the optimum coverage.
Transparency An important part of the independent philosophy is to offer you full transparency. You receive clear information on all processes, fees and benefits, so that you always have an overview and can make well-founded decisions about your retirement provision.
Tax-free transfer of your UK pension assets (QROPS): If you have pension assets in the UK, they can be transferred to Switzerland efficiently and tax-free via independent.
Tax advantages if you move abroad: If you plan to move abroad and withdraw your pension assets in the process, you can benefit from significant tax benefits. The independent vested benefits foundation is based in the canton of Schwyz, which is known for its particularly low withholding tax rates on lump-sum benefits. Thanks to careful planning and advice, you can minimise your tax burden on the withdrawal of your pension assets and thus optimise your financial situation abroad.
Lifelong retirement pension: The independent vested benefits foundation offers you the option of a lifelong retirement and surviving spouse’s pension. Put your financial security first and optimise your pension planning with a lifelong retirement pension. A lifelong pension can be claimed as early as five years before the normal pensionable age.
How does independent work?
A savings account solution is possible from a minimum balance of CHF 100'000.– . In addition to the desired security, our partner banks offer an attractive interest rate.
Simple and individual
Depending on your personal risk capacity and risk appetite, independent offers you numerous investment solutions from investment foundations and investment funds. You benefit from institutional fee levels. This gives you tangible cost advantages, which naturally has a positive impact on the performance of the investments.
Prerequisites for a strategy-oriented investment solution:- Minimum assets of CHF 100'000.–
- The investment risk is borne solely by the policyholder
Tailored to risk capacity and appetite
independent can offer you a large number of passively managed investment solutions. We ensure that the statutory investment regulations are complied with at all times for pure index investments. We also tailor the portfolio to your personal risk capacity and risk appetite.
Prerequisites for an index-oriented investment solution:
- Minimum assets of CHF 100'000.–
- The investment risk is borne solely by the member
On request, we would be happy to review additional index funds for you.
You choose your partner bank
For larger pension pots, independent puts together tailor-made pension portfolios. These strategies are tailored to your private assets. Such investment solutions must be managed by a bank supervised by FINMA within a discretionary portfolio management agreement.
In the case of individual investments with a discretionary mandate, independent also ensures that the statutory investment regulations are complied with at all times and the portfolio remains in line with your personal risk capacity and risk appetite.
Prerequisites for an individual investment with a discretionary portfolio management mandate:- The investment risk is borne solely by the member.
Partner banks
Investing money is a matter of trust. At independent, you can choose your favourite bank from our large network.
We would be happy to introduce you to all the partner banks in more detail during a personal consultation You are of course free to choose whichever bank you prefer.
We would be happy to check on request if we are able to work with your preferred custodian bank.
Lifelong retirement pension
Retirement marks the beginning of a new phase in life that offers plenty of scope to create the life you want. At the same time, there are a host of question marks – as varied as plans for the third stage of life can be, so are the questions about how to finance it. AHV/AVS and pension fund assets are usually paid out as a pension, although there is also the option of a lump-sum withdrawal with the pension fund. Whether to draw a pension or a lump sum is a question of needs. If the pension assets are in a vested benefits institution at the time of retirement, this option does not apply. The financial security of a lifelong pension is not available.
independent vested benefits foundation offers you the option of a lifelong retirement and surviving spouse’s pension. Put your financial security first and optimise your pension planning with a lifelong retirement pension. A lifelong pension can be claimed as early as five years before the normal retirement age.
Combining a lump-sum withdrawal and a pension allows you to tailor the drawdown of your pension assets to your individual needs. The minimum BVG/LPP portion is always paid out as a lump sum, while the extra-mandatory portion can be drawn as a pension.
If you wish, you can also insure a partner’s pension in PensFree. You have the option to set the level of the partner’s pension individually, although the conversion rate is based on your personal situation.
PensExpert offered me exactly the support I was looking for. In addition to their pension expertise, they impressed me with their professionalism, in-depth knowledge and friendliness. The answers and advice were always highly competent and solution-oriented. Thanks to their customer service, I felt safe and in good hands at all times.
Thomas N.
independent client
Insurance cover
Individually insured, protected globally
As a result of the globalised economy, the labour market is changing ever more rapidly. The stable employment biographies of past years are no longer the norm. In future, employees will live with periods of inactivity and maintain their employability during this time by completing education and training or by taking an extended language course abroad. However, periods of employment abroad will also become increasingly common in the modern world of work.
Many pension funds and vested benefits institutions are unable to offer a satisfactory pension solution for global mobility. With independent, you will receive the advice you need with needs-based insurance models. As a vested benefits foundation with wide-ranging expertise in pension provision, we can close gaps in your insurance cover for death and disability and ensure you have the optimum coverage.Choose the best solution available on the market
Insurers offer a whole range of different products. It is usually difficult to compare benefits and premiums. While the legal requirements need to be complied with, it is important to take advantage of the opportunities for optimising your cover. independent knows the market, the regulations and the options for optimisation. All groups of persons resident in Switzerland or abroad can benefit from the insurance coverage.
independent can offer you the following insurance benefits:
Disability pension
- Max. 30% of the vested benefits assets,
- max. CHF 300'000.– p.a.
Lump-sum death benefit
- Max. 300% of the vested benefits assets,
- max. CHF 5 million
N.B.:
- Disability pensions and lump-sum death benefits can be insured individually or in combination.
- All insurance benefits include sickness and accident cover
- The waiting period for disability pensions is 24 months and for premium waiver 3 months
We would be happy to provide you with a personal proposal. Please fill in the form below.
