When you leave a job in Switzerland, your pillar 2 (occupational pension) doesn't disappear. It's transferred to a vested benefits account, waiting to be claimed or transferred to a new pension fund.

Capital accumulated during your working life
Transferred automatically when you change jobs
Can be placed in a vested benefits foundation of your choice

Who is concerned?

Anyone who has worked in Switzerland and changed jobs, left the country or stopped working may have vested benefits assets.

Employees who have changed jobs

Your LPP assets are transferred each time you change employer. Funds may remain on hold.

Self-employed and expats

When you leave employee status or Switzerland, your capital remains in vested benefits.

How do vested benefits work?

When you leave a job without immediately starting another, your pension fund transfers your assets to a vested benefits account. This account is managed by a banking or insurance foundation.

You work

You contribute to pillar 2 through your employer

You leave your job

Your capital is transferred to vested benefits

Your money waits

It stays on hold until you claim it

Thousands of people forget their LPP

After a life change, your money can be transferred automatically to an account at the LPP Substitute Occupational Benefit Institution, without you knowing it.

Did you know?

💰 On average CHF 12,838 per person

📊 Billions of francs are lying dormant in Switzerland

⚠️ Your money could be sitting somewhere without you knowing it

How do you find your assets?

Several steps are possible to find and optimize your vested benefits assets.

Find your LPP funds via the 2nd Pillar Central Office
Consolidate multiple vested benefits accounts
Transfer your capital to a more advantageous foundation
Optimize your situation with a specialist advisor

Watch out for tax

Withdrawing your LPP can have a significant tax impact. Professional guidance helps you avoid mistakes and optimize your withdrawal.

The withdrawal is subject to a special tax, separate from income
The rate varies according to the canton and the amount withdrawn
Staggering withdrawals can reduce the tax burden

You might have forgotten LPP assets

Check your situation for free in less than a minute.