Vested benefits accounts – safeguard your pension capital
When changing jobs or taking a career break, your pension fund assets need to be protected and optimally invested.
When you leave a pension fund – whether due to a job change, unemployment, or self-employment – your pension capital must be transferred to a vested benefits account or policy. Choosing the right provider and investment strategy has a significant long-term impact on your capital. Solidwave helps you find the best solution.
Transfer obligation within 6 months
After leaving a pension fund, your vested benefits must be transferred within the deadline. Otherwise, the funds are transferred to the BVG Substitute Occupational Benefit Institution.
Bank account or insurance policy
Bank accounts offer flexibility and typically lower costs. Insurance policies combine savings with risk coverage for disability or death.
Choice of investment strategy
Various investment strategies are available depending on the provider – from conservative to equity-based. With a long investment horizon, an active strategy can significantly grow your capital.
Tax-privileged until withdrawal
Assets remain exempt from income and wealth tax. By strategically splitting funds across two accounts, you can further optimize your tax burden upon withdrawal.
What We Offer
- ✓Provider comparison: interest rates, fees, and investment options
- ✓Advice on bank account vs. insurance policy
- ✓Splitting across multiple accounts for tax optimization
- ✓Investment strategy optimization based on your time horizon
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