Vested benefits
Your pension-fund money when you are not employed, held in a vested-benefits account or policy until you start a new job or retire.
It can be paid out at the earliest five years before the AHV reference age. Some accounts let you invest the money. Vested benefits are not taxable wealth until paid out.
Related terms
- BVG (pension fund)The second pillar, the occupational pension fund that employees and employers pay into, paid out as a pension, a lump sum or both.
- Bridge periodThe years between stopping work and the start of pensions and locked savings, paid from accessible money.
- Lump sum (capital withdrawal)Taking pension-fund or 3a money as a one-off payment instead of a pension.
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Swiss pensions
Your pension fund before 65: annuity, lump sum or leave it
What you can do with second-pillar money if you stop working early: early retirement, a vested benefits account, a lump sum, and the tax and risk trade-offs.