{"id":8594,"date":"2025-09-07T09:14:00","date_gmt":"2025-09-07T07:14:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/vested-benefits-account-comparison-2024\/"},"modified":"2025-03-02T14:37:46","modified_gmt":"2025-03-02T13:37:46","slug":"vested-benefits-account-comparison-2024","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/vested-benefits-account-comparison-2024\/","title":{"rendered":"Vested benefits account comparison 2025"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ce8b166\" data-block-id=\"ce8b166\"><p class=\"stk-block-text__text\">In our 2025 vested benefits account comparison for Switzerland, we take a look at large and attractive new providers for vested benefits accounts or vested benefits custody accounts. Discover in the article which criteria you should consider in the vested benefits account comparison and find the right provider for you. <\/p><\/div>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-4b61e09 stk-block-background\" data-block-id=\"4b61e09\"><p class=\"stk-table-of-contents__title\"><strong>We look at these topics in the article Vested benefits account comparison 2025:<\/strong><\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#was-ist-eine-freizugigkeitsleistung\">What is a vested benefit?  <\/a><\/li><li><a href=\"#kriterien-fur-den-freizugigkeitskonto-vergleich-2024\">Criteria for the vested benefits account comparison 2024<\/a><\/li><li><a href=\"#anbieter-freizugigkeitskonto-vergleich-und-freizugigkeitsdepot-vergleich\">Vested benefits account provider comparison and vested benefits custody account comparison<\/a><\/li><li><a href=\"#tabelle-anbietervergleich-freizugigkeitskonto\">Vested benefits account provider comparison table<\/a><\/li><li><a href=\"#freizugigkeitsgeld-transferieren\">Transferring vested benefits<\/a><\/li><li><a href=\"#zusammenfassung-freizugigkeitskonto-vergleich-und-freizugigkeitsdepot-vergleich\">Summary of vested benefits account comparison and vested benefits custody account comparison<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8ad9f73\" id=\"was-ist-eine-freizugigkeitsleistung\" data-block-id=\"8ad9f73\"><h2 class=\"stk-block-heading__text\">What is a vested benefit?  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-116d911\" data-block-id=\"116d911\"><style>.stk-116d911 {margin-bottom:40px !important;}<\/style><p class=\"stk-block-text__text\">The vested benefits are money from your occupational pension fund that your previous pension fund pays out if you leave your job and do not yet have a new employer. There can be various reasons for this &#8211; such as unemployment, moving away from Switzerland, self-employment or early retirement. So far, so good. The only problem is that your pension fund has to &#8220;get rid&#8221; of your money within 6 months. It therefore pays the FC benefit into one of three possible solutions with a provider of your choice: a <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/lob-vested-benefits-account-what-is-it\/\">vested benefits account<\/a>, a <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/vested-benefits-policy-the-20-most-frequently-asked-questions\/\">vested benefits policy<\/a> or a vested benefits custody account. You can find out more about <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/vested-benefits-vested-benefit-assets-in-the-event-of-vested-benefits\/\">vested benefits<\/a> in the in-depth article. There we also explain when a vested benefits policy, vested benefits account or vested benefits custody account is a good choice. We advise against an FC policy.       <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-f95173a stk-block-background\" data-block-id=\"f95173a\"><style>.stk-f95173a {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-f95173a:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-f95173a-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-75411c1\" data-v=\"4\" data-block-id=\"75411c1\"><style>.stk-75411c1 {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-75411c1-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-75411c1-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-fd022c2 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"fd022c2\"><style>.stk-fd022c2 {--stk-columns:1 !important;}.stk-fd022c2 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-fd022c2 .stk-img-wrapper{height:100% !important;}.stk-fd022c2 .stk-block-posts__title a{color:#ffffff !important;}.stk-fd022c2 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-fd022c2 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-fd022c2 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-fd022c2-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-fd022c2-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-free-movement-experiences-review-2024\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"finpension Freiz\u00fcgigkeit Erfahrungen 2024\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17121258\/Smolio-Blog_finpension-Freizugigkeit-Erfahrungen-3_pretty-girl-getting-ready-to-hit-a-ball-in-a-billi-2023-11-27-04-52-03-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-free-movement-experiences-review-2024\/\">finpension Free movement experiences: Review 2025<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>How do I invest my vested benefits assets? Many people know finpension because of its low pillar 3a fees. Discover our own experiences and benefit from the finpension vested benefits voucher code SMLUTQ.  <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-free-movement-experiences-review-2024\/\">Weiterlesen<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e659c3e\" id=\"kriterien-fur-den-freizugigkeitskonto-vergleich-2024\" data-block-id=\"e659c3e\"><h2 class=\"stk-block-heading__text\">Criteria for the vested benefits account comparison 2024<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f64454d\" data-block-id=\"f64454d\"><p class=\"stk-block-text__text\">Ok, you need a vested benefits account comparison?\nFrom our point of view, the following criteria are important. <\/p><\/div>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-8ea6f7a\" data-block-id=\"8ea6f7a\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-be6027b\" data-block-id=\"be6027b\"><style>.stk-be6027b .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-be6027b .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-be6027b\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-be-6027-b-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-be-6027-b-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e840743\" id=\"freizugigkeitskonto-zins-vergleichen\" data-block-id=\"e840743\"><h3 class=\"stk-block-heading__text\">Compare vested benefits account interest<\/h3><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-476f4ba\" data-block-id=\"476f4ba\"><p class=\"stk-block-text__text\"><strong>&#8220;More is better&#8221; <\/strong>You can proceed according to this motto in the pure vested benefits account comparison. But unfortunately, most providers still offer mini-interest rates here. They take advantage of the fact that you don&#8217;t know exactly when you will have to put your money back into a new pension fund. That&#8217;s why the interest rates are often even lower than on a savings account. Therefore, the higher the better. However, also pay attention to the costs of the vested benefits account.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-acf9e0f\" data-block-id=\"acf9e0f\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-cdb7551\" data-block-id=\"cdb7551\"><style>.stk-cdb7551 .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-cdb7551 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-cdb7551\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-cdb-7551-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-cdb-7551-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg data-prefix=\"fa\" data-icon=\"star\" class=\"svg-inline--fa fa-star fa-w-18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f30103b\" id=\"freizugigkeitskonto-kosten-vergleichen\" data-block-id=\"f30103b\"><h3 class=\"stk-block-heading__text\">Compare vested benefits account costs<\/h3><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">&#8220;<strong>Free beats<strong>fees<\/strong> &#8221; <\/strong>&#8211; There are numerous good providers in the 2024 vested benefits account comparison that offer free account management and do not charge any fees for closing the account. Most providers charge around CHF 200 &#8211; 500 if you want to withdraw your vested benefits for home ownership. <\/p>\n\n<p data-block-type=\"core\">But we think that an offer is no longer in keeping with the times if the provider fobs you off with low interest rates on the one hand and then charges you fees for the account on the other.\nWe are just as unconvinced by providers who link an FC custody account to other fee-based banking services.   <\/p>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-fa1d86d\" data-block-id=\"fa1d86d\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-82472d0\" data-block-id=\"82472d0\"><style>.stk-82472d0 .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-82472d0 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-82472d0\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-82472-d-0-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-82472-d-0-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg data-prefix=\"fa\" data-icon=\"star\" class=\"svg-inline--fa fa-star fa-w-18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9a23470\" id=\"sitz-der-stiftung-des-freizugigkeitskontos-oder-des-freizugigkeitsdepots-beachten\" data-block-id=\"9a23470\"><h3 class=\"stk-block-heading__text\">Observe the domicile of the foundation of the vested benefits account or vested benefits custody account<\/h3><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a076dff\" data-block-id=\"a076dff\"><p class=\"stk-block-text__text\"><strong>&#8220;Choose low-tax cantons<\/strong> &#8221; &#8211; Why the heck is the domicile of the vested benefits foundation relevant in the vested benefits account comparison? Well, when your vested benefits are paid out, it depends on WHERE you are resident: <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Do you live in Switzerland?\nThen the capital tax comes into play.\nIt depends on your place of residence.\nYou can find out more about capital tax in this <a href=\"\">article<\/a>.     <\/li>\n\n\n\n<li data-block-type=\"core\">Have you moved away from Switzerland? If you are no longer liable for tax in Switzerland, you will be subject to withholding tax. It depends on the domicile of the foundation where you have your vested benefits assets. The canton of Schwyz has the lowest withholding tax. You can find out more about withholding tax on lump-sum withdrawals in this <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/capital-payment-tax\/\" data-type=\"post\" data-id=\"6908\">specialist article<\/a>. First of all: with a foundation domiciled in Schwyz, you save a factor of 2 in taxes compared to a foundation domiciled in Basel!     <\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-d118a63\" data-block-id=\"d118a63\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-3202cba\" data-block-id=\"3202cba\"><style>.stk-3202cba .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-3202cba .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-3202cba\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-3202-cba-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-3202-cba-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg data-prefix=\"fa\" data-icon=\"star\" class=\"svg-inline--fa fa-star fa-w-18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-babba31\" id=\"im-freizugigkeitsdepot-nachhaltig-anlegen\" data-block-id=\"babba31\"><h3 class=\"stk-block-heading__text\">Investing sustainably in a vested benefits custody account?<\/h3><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-669c1b0\" data-block-id=\"669c1b0\"><p class=\"stk-block-text__text\">If investing in a vested benefits custody account is a good solution for you, you should consider whether your money should be invested according to ESG criteria, impact investing or simply in the traditional way.\nI recommend this <a href=\"\">article<\/a> on the differences.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-aad458e\" data-block-id=\"aad458e\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-099e039\" data-block-id=\"099e039\"><style>.stk-099e039 .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-099e039 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-099e039\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-099-e-039-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-099-e-039-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg data-prefix=\"fa\" data-icon=\"star\" class=\"svg-inline--fa fa-star fa-w-18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9872d8f\" id=\"kosten-fur-anlagen-im-freizugigkeitsdepot-checken\" data-block-id=\"9872d8f\"><h3 class=\"stk-block-heading__text\">Check costs for investments in the vested benefits custody account<\/h3><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">With a long investment horizon, the level of the equity allocation and the costs have an extreme impact on your returns and therefore your assets later on.\nWith <a href=\"\">low costs<\/a> and a passive investment strategy, you will fare <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\">better<\/a> over a long period of time.   <\/p>\n\n<p data-block-type=\"core\">In contrast to pillar 3a, investments in the BVG mandatory scheme are limited to a maximum equity ratio of 85%. This is why many providers only offer strategies with an equity quota of 75 % (e.g. Migros, PostFinance) or 80 %, because a higher equity quota is only permitted in the extra-mandatory pension provision.<\/p>\n\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-c5b449b\" data-block-id=\"c5b449b\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-left stk-block stk-a272375\" data-block-id=\"a272375\"><style>.stk-a272375 .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-a272375 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#02b875 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><lineargradient id=\"linear-gradient-a272375\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-a-272375-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-a-272375-color-2)\"><\/stop><\/lineargradient><\/defs><\/svg><svg data-prefix=\"fa\" data-icon=\"star\" class=\"svg-inline--fa fa-star fa-w-18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1552b03\" id=\"sicherheit-des-freizugigkeitskontos-prufen\" data-block-id=\"1552b03\"><h3 class=\"stk-block-heading__text\">Check the security of the vested benefits account<\/h3><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ce460dc\" data-block-id=\"ce460dc\"><p class=\"stk-block-text__text\">How secure are my vested benefits? Quite. But there are also differences and subtleties. We take a closer look at them in a <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-deposit-protection-money-safe-in-the-event-of-bank-bankruptcy\/\">specialist article<\/a>.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-640f3a3\" data-block-id=\"640f3a3\"><p class=\"stk-block-text__text\">In a nutshell: while securities in a vested benefits custody account belong to you and are therefore not affected by the bankruptcy of the foundation or bank, deposits in a vested benefits account are subject to the deposit protection of the banks. These are &#8220;only&#8221; protected up to CHF 100,000 per customer and bank. Unless you have a bank with a state guarantee &#8211; then the canton is liable for investors&#8217; losses without limit. This applies to all cantonal banks with the exception of Vaud, Berne and Geneva. Therefore, pay attention to the deposit protection in the vested benefits account comparison.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5c65252\" id=\"anbieter-freizugigkeitskonto-vergleich-und-freizugigkeitsdepot-vergleich\" data-block-id=\"5c65252\"><h2 class=\"stk-block-heading__text\">Vested benefits account provider comparison and vested benefits custody account comparison<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-466eda6\" data-block-id=\"466eda6\"><p class=\"stk-block-text__text\">So, by now you know what vested benefits are and that you should convert them into a vested benefits account or a vested benefits custody account.\nSo how do I find a vested benefits account provider?\nIn our big comparison, we have taken a close look at the most important players.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-904fdae\" data-block-id=\"904fdae\"><p class=\"stk-block-text__text\">We compare the interest on the vested benefits account, the costs of the vested benefits account, the location of the foundation, the possibility of investing money sustainably and the costs for the vested benefits custody accounts (flat fee or minimum and maximum fee for different investment strategies).  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d1ca9d3\" data-block-id=\"d1ca9d3\"><p class=\"stk-block-text__text\">You can filter and sort the table and scroll to the right to discover more details.\nFor providers with a link, we receive a small commission if you use our code when opening an account.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-95e3d02\" id=\"tabelle-anbietervergleich-freizugigkeitskonto\" data-block-id=\"95e3d02\"><h2 class=\"stk-block-heading__text\">Vested benefits account provider comparison table<\/h2><\/div>\n\n<div class=\"embed-container\"><iframe title=\"Anbietervergleich Freiz\u00fcgigkeitskonto und Freiz\u00fcgigkeitsdepot \" aria-label=\"Tabelle\" id=\"datawrapper-chart-Oq9Y7\" src=\"https:\/\/datawrapper.dwcdn.net\/Oq9Y7\/20\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"1227\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();<\/script><\/div>\n\n<div class=\"aligncenter wp-block-ugb-container ugb-container ugb-3c1c7a0 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-3c1c7a0-wrapper.ugb-container__wrapper{border-radius:0px !important}.ugb-3c1c7a0 h1,.ugb-3c1c7a0 h2,.ugb-3c1c7a0 h3,.ugb-3c1c7a0 h4,.ugb-3c1c7a0 h5,.ugb-3c1c7a0 h6{color:#000000}.ugb-3c1c7a0 p,.ugb-3c1c7a0 li,.ugb-3c1c7a0 label,.ugb-3c1c7a0 table{color:#000000}.ugb-3c1c7a0-content-wrapper > h1,.ugb-3c1c7a0-content-wrapper > h2,.ugb-3c1c7a0-content-wrapper > h3,.ugb-3c1c7a0-content-wrapper > h4,.ugb-3c1c7a0-content-wrapper > h5,.ugb-3c1c7a0-content-wrapper > h6{color:#000000}.ugb-3c1c7a0-content-wrapper > p,.ugb-3c1c7a0-content-wrapper > ol li,.ugb-3c1c7a0-content-wrapper > ul li{color:#000000}.ugb-3c1c7a0 a,.ugb-3c1c7a0 a:visited,.ugb-3c1c7a0 a:focus{color:#000000}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-3c1c7a0-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-3c1c7a0-content-wrapper\">\n<h4 class=\"wp-block-heading has-black-smolio-color has-text-color has-small-font-size\" id=\"h-hinweis\">Notice <\/h4>\n\n\n\n<p class=\"has-black-smolio-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Wir sind dir dankbar, wenn du bei einer Kontoer\u00f6ffnung unseren Code nutzt. Wir erhalten dann eine kleine <a href=\"https:\/\/www.smolio.ch\/experten-netzwerk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Verg\u00fctung<\/a>. F\u00fcr dich wird es dadurch nicht teurer und wir k\u00f6nnen die Kosten f\u00fcr den Betrieb der Plattform decken. Wir freuen uns auch, wenn du uns einen <a href=\"https:\/\/buymeacoffee.com\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\">Kaffee spendierst<\/a> \u2615\ufe0f.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<p data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-085a318 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-085a318-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-085a318-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-085a318 h1,.ugb-085a318 h2,.ugb-085a318 h3,.ugb-085a318 h4,.ugb-085a318 h5,.ugb-085a318 h6{color:#ffffff}.ugb-085a318 p,.ugb-085a318 li,.ugb-085a318 label,.ugb-085a318 table{color:#ffffff}.ugb-085a318-content-wrapper > h1,.ugb-085a318-content-wrapper > h2,.ugb-085a318-content-wrapper > h3,.ugb-085a318-content-wrapper > h4,.ugb-085a318-content-wrapper > h5,.ugb-085a318-content-wrapper > h6{color:#ffffff}.ugb-085a318-content-wrapper > p,.ugb-085a318-content-wrapper > ol li,.ugb-085a318-content-wrapper > ul li{color:#ffffff}.ugb-085a318 a,.ugb-085a318 a:visited,.ugb-085a318 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-085a318-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-085a318-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-jetzt-finpension-freizugigkeit-mit-25-franken-bonus-eroffnen\">Open finpension vested benefits with a 25 franc bonus now<\/h3>\n\n\n\n<p id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">We even use finpension for our own vested benefits. Use the code <strong>SMLUTQ<\/strong> for your welcome bonus when opening an account. You will receive this as a fee credit if you deposit or transfer at least CHF 1,000 within 12 months. And you save for a lifetime thanks to the very low fees.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><style>.stk-38be4a0 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/app.finpension.ch\/intro\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">Activate finpension voucher code  <\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-846b334\" data-block-id=\"846b334\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7156\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc.webp\" width=\"1200\" height=\"800\" alt=\"Vested benefits account comparison 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29162203\/Smolio-Blog_Freizugigkeitskonto-Vergleich-2024_ocean-surfing-and-portrait-of-old-man-at-the-beac-2023-11-27-04-48-51-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ed5b052\" id=\"freizugigkeitsgeld-transferieren\" data-block-id=\"ed5b052\"><h2 class=\"stk-block-heading__text\">Transferring vested benefits<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-49ac6a8\" data-block-id=\"49ac6a8\"><p class=\"stk-block-text__text\">Similar to pillar 3a, you can also change providers at any time with vested benefits.\nThe system of free choice of provider is intended by law.\nYou can simply fill out a transfer form with the provider of your choice and they will withdraw your vested benefits assets from the previous provider for you.\nThe transfer itself is free of charge; please note that only money is transferred.\nSecurities are sold before a transfer.      <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8d5048f\" data-block-id=\"8d5048f\"><p class=\"stk-block-text__text\">The transfer of vested benefits assets can be very worthwhile in the following cases, for example:<\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Interest differential on the vested benefits account<\/li>\n\n\n\n<li data-block-type=\"core\">Change from a pure account solution to a vested benefits custody account  <\/li>\n\n\n\n<li data-block-type=\"core\">Fee difference in the investment products<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\" data-block-type=\"core\"><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/frankly-free-movement-experience-2024\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"frankly Freiz\u00fcgigkeit\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/01\/30202410\/Smolio-Blog_frankly_Freizugigkeit-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/frankly-free-movement-experience-2024\/\">Frankly free movement experience 2025<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>frankly Vested Benefits is a relatively new product with which ZKB wants to grow in another market. Find out whether the offer is worthwhile for you and benefit from a switching bonus with our frankly code SMOLIO.   <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/frankly-free-movement-experience-2024\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-062ce16\" id=\"zusammenfassung-freizugigkeitskonto-vergleich-und-freizugigkeitsdepot-vergleich\" data-block-id=\"062ce16\"><h2 class=\"stk-block-heading__text\">Summary of vested benefits account comparison and vested benefits custody account comparison<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-156817d\" data-block-id=\"156817d\"><p class=\"stk-block-text__text\">With a vested benefits account or vested benefits custody account, you can \"park\" money from your occupational benefit scheme - either until you re-join an employer or until you can withdraw the money properly, e.g. for retirement. In the vested benefits account comparison, we have explained the criteria that are important when making your choice.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4636638\" data-block-id=\"4636638\"><p class=\"stk-block-text__text\">We think: first decide whether the money should be invested for the short or long term. For short-term investments, we recommend a vested benefits account. When choosing an account, you should preferably choose a provider with high interest rates, free account management and a state guarantee for deposits.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f967f0c\" data-block-id=\"f967f0c\"><p class=\"stk-block-text__text\">With a longer horizon, a portfolio solution often makes sense. This is significantly more expensive with traditional banks than with specialized pension providers. We also had to search longer for the fee schedules, the costs for the investment strategy or the interest rate for the vested benefits account. We only found these well hidden on the website - mostly for good reason.<\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-eac1d0b\" data-block-id=\"eac1d0b\"><p class=\"stk-block-text__text\">As with pillar 3a, we consider <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-free-movement-experiences-review-2024\/\">finpension<\/a> to be an excellent choice <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-free-movement-experiences-review-2024\/\">for a vested benefits custody account<\/a>. They impress with their foundation domicile, low flat fee, great app and various index strategies from three fund houses. <a href=\"https:\/\/www.smolio.ch\/wissen\/frankly-freizuegigkeit-erfahrungen-2024\/\">frankly<\/a> from ZKB and FreeMe from Glarner Kantonalbank are interesting as vested benefits accounts. They score points with interest, a free account and a state guarantee.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-83b6411 stk-block-background\" data-block-id=\"83b6411\" data-block-type=\"core\" data-block-type=\"core\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-83b6411-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f2ad0b4\" data-v=\"4\" data-block-id=\"f2ad0b4\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f2ad0b4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f2ad0b4-inner-blocks\">\n<h4 class=\"wp-block-heading has-small-font-size\" id=\"h-disclaimer\">Disclaimer<\/h4>\n\n\n\n<p class=\"has-small-font-size\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">We have taken great care in compiling the content of this article. Nevertheless, we cannot rule out errors and cannot guarantee that the content is correct, up-to-date or complete. This article does not replace tax advice. We do not offer investment or tax advice and recommend that tax issues are always clarified with a tax expert and\/or the relevant cantonal tax authorities. Any liability is rejected.    <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>In our vested benefits account comparison 2024, we take a look at various providers for vested benefits accounts or vested benefits custody accounts.<br \/>\nDiscover which criteria are important in the article and find your provider. <\/p>\n","protected":false},"author":8,"featured_media":7155,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2401,2176],"tags":[2360,2403,2404],"class_list":{"0":"post-8594","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-vested-benefits-account","8":"category-retirement-and-pension-planning","9":"tag-vested-benefits","10":"tag-vested-benefits-account","11":"tag-vested-benefits-custody-account"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/29161724\/Smolio-Blog_Freizugigeitskonto-Vergleich2024-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>In our vested benefits account comparison 2024, we take a look at various providers for vested benefits accounts or vested benefits custody accounts.<br \/>\nDiscover which criteria are important in the article and find your provider. <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/vested-benefits-account\/\" rel=\"category tag\">Vested benefits account<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/retirement-and-pension-planning\/\" rel=\"category tag\">Retirement and pension planning<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8594"}],"version-history":[{"count":7,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8594\/revisions"}],"predecessor-version":[{"id":9929,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8594\/revisions\/9929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7155"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}