Tax Optimisation

Optimise Your Occupational Pension Fund When...

CHANGING JOBS

Take the opportunity to split your pension fund assets into 2 vested benefit accounts and reap the benefit of lower taxes at retirement.

LEAVING SWITZERLAND

Benefit from tax savings of 40% and more by transferring your pension fund assets to a vested benefit account.

investian cooperates with a vested benefit foundation whose domicile is in the canton with the lowest tax rates in Switzerland.

My Services

investian has signed a cooperation agreement with a vested benefit foundation in the canton with the lowest withholding tax rates.

We provide comprehensive and transparent support during the entire process:

Account opening at the vested benefit foundation
Transfer of pension fund assets from your occupational pension fund
Set up of payment order request and its fulfilment
Ensure that all necessary documentation is in place
For assets that cannot be paid out immediately, investment of pension fund capital at competitive institutional rates in more than 60 LPP-compliant investment funds

Changing Jobs

Your pension fund assets are normally transferred to the pension fund of your new employer. You should think twice about that! Beforehand, you would do better by transfering your pension fund capital to a vested benefit foundation.

Your occupational pension fund capital can be transferred and split into max. 2 vested benefit accounts under the following circumstances:

Change of employer
Self-employment
Redundancy
Sabbatical of more than 3 months
Permanently leaving Switzerland

Substantial capital tax savings can thus be made when drawing your pension funds at retirement. We work with an independent vested benefit foundation and provide you with full support during the transfer process.

Leaving Switzerland

If you are permanently leaving Switzerland, you can cash out your Swiss occupational pension fund assets. Depending on your situation, some restrictions may apply for EU and EFTA target countries. During the withdrawal process, a withholding tax is levied by the canton in which your pension fund is domiciled. Local tax regulations differ from canton to canton, hence taxes levied on your pension fund assets can vary greatly.

By transferring your occupational pension fund assets to a vested benefit foundation in a tax-friendly canton, tax savings of more than 50% are feasible.

Example: Moving permanently to the UK

UK assign taxation rights exclusively to Switzerland
Withholding tax can not be reimbursed
Benefit from the following tax savings:
- 3.50k CHF on assets of 100k CHF
- 5.25k CHF on assets of 150k CHF
- 17.5k CHF on assets of 500k CHF
- 24.0k CHF on assets of 750k CHF
- 35.0k CHF on assets of 1M CHF
Figures as of 1.1.2021