Vested benefit solution with funds

Woman and man reading newspaper at table

Vested benefits with fund savings

Attractive investments for capital from occupational retirement provisions. The capital from your occupation retirement provisions is a mainstay for your future. With the funds-based Zurich Vested Benefits Account, you choose one of five investment concepts with attractive potential returns on your capital, in line with your personal risk tolerance and investment horizon.

Benefits at a glance

  • Optimum investment for your vested benefits
  • You pick the investment strategy that's right for you
  • If necessary, you can use your provision assets as part of the available statutory options

In detail

In certain life situations, you can or are obliged to transfer your pension capital from pillar 2 to a vested benefits account. The funds-based vested benefits account from Zurich lets you maintain your benefit coverage while capturing attractive potential returns.

Good to know

  • Security: all of the investment strategies we offer are subject to strict legal investment guidelines as set out in Swiss Federal Occupational Retirement, Survivors’ and Disability Pensions Act (BVV 2)
  • Competence: funds are managed by proven investment specialists
  • Transparency: Zurich delivers a monthly report on the performance of all investment strategies for the product Zurich Invest Vested Benefits
  • Your insurance coverage in the event of death or disability may be incomplete if the pension provider changes or the employment relationship is terminated. Protect yourself and your family with the right insurance solutions from Zurich
  • You will find the link to the current prices (c-class) below: www.ubs.com/zurichinvestfunds

More details

Cases where the product Zurich Invest Vested Benefits might be right for you

  • You become self-employed, which means occupational retirement provisions are no longer obligatory
  • You work part-time and your salary is less than the minimum insurable earnings
  • You cannot transfer your entire vested benefits to your new employer’s pension plan
  • You are temporarily not paying back an advance from your home owner funding (because you want to buy a new property in the near future)
  • You interrupt gainful employment for the medium- to long-term (e.g. due to a period abroad, vocational training)

Choose from five investment strategies

  • Your provision capital is invested worldwide in selected stocks, bonds and money market papers
  • Choose from five investment strategies according to your risk tolerance and investment horizon; the strategies mainly vary in terms of their equity share
  • Your potential returns are therefore higher than for an account with a fixed interest rate
  • You can switch the investment strategy of your Zurich Invest Vested Benefits once a year at no extra charge

You can draw your vested benefits in the following cases

Your Zurich Invest Vested Benefits custody account balance serves to maintain your occupational retirement provisions as defined by legislation. This means that you can only use it for the following reasons before reaching the statutory retirement age:

  • You transfer your balance to a pension fund or another vested benefits account
  • You draw a full disability pension from the Swiss Federal Disability Insurance
  • You become self-employed and are not legally required to take part in an occupational retirement plan
  • You purchase residential property for your own use
  • You emigrate permanently from Switzerland (subject to cash payment limitation on departing for certain European countries)

Other products

Unit-linked Retirement Savings Account

Make provisions and save taxes: The unit-linked Zurich Retirement Savings Account 3a lets you invest while enjoying tax relief.

Pig

Zurich Investment Advisory

We show you how to invest your money to reach your desired goal.

Unit-linked life insurance CapitalFund

Accumulate wealth, make provisions for retirement and save on taxes – CapitalFund unit-linked life insurance makes it possible.

Knowledge

Couple goes to yoga class

Long life and the retirement pension

We are all likely to enjoy and increasingly longer life – yet our pension systems have not yet been aligned with this. In this article you will find out what you can do to ensure your retirement pension is large enough and you are financially secure throughout your life.
A woman is sitting on the floor with a tablet

OASI reform: The primary changes

The OASI reform applies from January 1, 2024 – and it affects everyone. These are the most important changes and how they will affect you.
 Couple dancing in the kitchen

Early retirement – how a dream becomes reality

Are you dreaming about retiring a few years early? You're not alone. But early retirement is costly. Find out if you can afford it and what you need to do to make your dream a reality.
Happy family at the beach

5 reasons for choosing term life insurance

Death changes everything in one stroke – suddenly a father, sister or husband is gone. The emotional pain is difficult enough. Why compound it with financial worries?
Payout 3a taxes

Pillar 3a: Save taxes on withdrawals

By withdrawing your retirement assets from pillar 3a and your occupational pension fund on a staggered basis, you can minimize your tax burden.