{"id":8607,"date":"2024-01-14T08:10:00","date_gmt":"2024-01-14T07:10:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/vested-benefits-policy-the-20-most-frequently-asked-questions\/"},"modified":"2024-09-17T08:32:27","modified_gmt":"2024-09-17T06:32:27","slug":"vested-benefits-policy-the-20-most-frequently-asked-questions","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/vested-benefits-policy-the-20-most-frequently-asked-questions\/","title":{"rendered":"Vested benefits policy &#8211; the 20 most frequently asked questions"},"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\"> 11<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-22a352d\" data-block-id=\"22a352d\"><p class=\"stk-block-text__text\">You can deposit your termination benefit from the pension fund in a vested benefits policy.\nBut what exactly is it and does it make sense for you?\nRead the article to find out what a vested benefits policy is, the differences to a vested benefits account and the 20 most frequently asked questions about vested benefits policies.    <\/p><\/div>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-7d3e796\" data-block-id=\"7d3e796\"><p class=\"stk-table-of-contents__title\">We look at these questions in the article:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#was-ist-eine-freizugigkeitspolice\"><a href=\"#was-ist-eine-freizugigkeitspolice\">What is a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#wann-kann-ich-eine-freizugigkeitspolice-eroffnen\"><a href=\"#wann-kann-ich-eine-freizugigkeitspolice-eroffnen\">When can I open a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#wann-brauche-ich-eine-freizugigkeitspolice\"><a href=\"#wann-brauche-ich-eine-freizugigkeitspolice\">When do I need a vested benefits policy?<\/a><\/a><ul><\/ul><\/li><li><a href=\"#wie-kann-ich-eine-freizugigkeitspolice-eroffnen\"><a href=\"#wie-kann-ich-eine-freizugigkeitspolice-eroffnen\">How can I open a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#was-sind-die-vorteile-einer-freizugigkeitspolice\"><a href=\"#was-sind-die-vorteile-einer-freizugigkeitspolice\">What are the advantages of a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#was-sind-die-nachteile-einer-freizugigkeitspolice\"><a href=\"#was-sind-die-nachteile-einer-freizugigkeitspolice\">What are the disadvantages of a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#wie-lange-lauft-eine-fz-police\"><a href=\"#wie-lange-lauft-eine-fz-police\">How long does an FC policy run for?<\/a><\/a><\/li><li><a href=\"#kann-ich-meine-freizugigkeitspolice-vorzeitig-auflosen\"><a href=\"#kann-ich-meine-freizugigkeitspolice-vorzeitig-auflosen\">Can I terminate my vested benefits policy early?<\/a><\/a><\/li><li><a href=\"#was-ist-der-unterschied-von-freizugigkeitspolice-und-freizugigkeitskonto-was-ist-besser\"><g id=\"gid_0\">What is the difference between a vested benefits policy and a vested benefits account?<\/g> <\/a><ul><\/ul><\/li><li><a href=\"#was-sind-die-kosten-einer-freizugigkeitspolice\"><a href=\"#was-sind-die-kosten-einer-freizugigkeitspolice\">What are the costs of a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#wie-wird-das-kapital-in-einer-fz-police-verzinst\"><a href=\"#wie-wird-das-kapital-in-einer-fz-police-verzinst\">How does the capital in an FC policy earn interest?<\/a><\/a><\/li><li><a href=\"#wie-wird-eine-fz-police-besteuert\"><a href=\"#wie-wird-eine-fz-police-besteuert\">How is an FC policy taxed?<\/a><\/a><ul><\/ul><\/li><li><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-wenn-ich-ins-ausland-ziehe\"><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-wenn-ich-ins-ausland-ziehe\">What happens to my vested benefits policy if I move abroad?<\/a><\/a><\/li><li><a href=\"#kann-ich-meine-freizugigkeitspolice-fur-den-kauf-von-wohneigentum-verwenden\"><a href=\"#kann-ich-meine-freizugigkeitspolice-fur-den-kauf-von-wohneigentum-verwenden\">Can I use my vested benefits policy to buy a home?<\/a><\/a><\/li><li><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-nach-einer-scheidung\"><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-nach-einer-scheidung\">What happens to my vested benefits policy after a divorce?<\/a><\/a><\/li><li><a href=\"#wie-sicher-ist-eine-freizugigkeitspolice\"><a href=\"#wie-sicher-ist-eine-freizugigkeitspolice\">How secure is a vested benefits policy?<\/a><\/a><\/li><li><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-im-todesfall\"><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-im-todesfall\">What happens to my vested benefits policy in the event of my death?<\/a><\/a><\/li><li><a href=\"#wie-kann-ich-meine-freizugigkeitspolice-in-die-pensionskasse-eines-neuen-arbeitgebers-ubertragen\"><a href=\"#wie-kann-ich-meine-freizugigkeitspolice-in-die-pensionskasse-eines-neuen-arbeitgebers-ubertragen\">How can I transfer my vested benefits policy to the pension fund of a new employer?<\/a><\/a><\/li><li><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-bei-arbeitslosigkeit\"><a href=\"#was-passiert-mit-meiner-freizugigkeitspolice-bei-arbeitslosigkeit\">What happens to my vested benefits policy in the event of unemployment?<\/a><\/a><ul><\/ul><\/li><li><a href=\"#wie-wird-eine-freizugigkeitspolice-bei-selbststandigkeit-behandelt\"><a href=\"#wie-wird-eine-freizugigkeitspolice-bei-selbststandigkeit-behandelt\">How is a vested benefits policy treated in the case of self-employment?<\/a><\/a><\/li><li><a href=\"#wie-wird-eine-freizugigkeitspolice-im-falle-von-invaliditat-behandelt\"><a href=\"#wie-wird-eine-freizugigkeitspolice-im-falle-von-invaliditat-behandelt\">How is a vested benefits policy treated in the event of disability?<\/a><\/a><\/li><li><a href=\"#welche-anbieter-von-freizugigkeitspolicen-gibt-es\"><a href=\"#welche-anbieter-von-freizugigkeitspolicen-gibt-es\">Which providers of vested benefits policies are there?<\/a><\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-56b84fc\" id=\"was-ist-eine-freizugigkeitspolice\" data-block-id=\"56b84fc\"><h2 class=\"stk-block-heading__text\">What is a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-972d1e1\" data-block-id=\"972d1e1\"><p class=\"stk-block-text__text\">A vested benefits policy is a premium-free life insurance policy where you transfer your termination benefit from your occupational benefits insurance to an insurance company as a one-off investment.\nThe vested benefits policy serves to secure your pension assets and provide you with additional insurance benefits for death and disability.\nThe policy is managed by an insurance company.\nPlease note: you can only terminate a vested benefits policy prematurely at a loss.\nIt is therefore not suitable for the short-term investment of your termination benefit.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5410e3b\" id=\"wann-kann-ich-eine-freizugigkeitspolice-eroffnen\" data-block-id=\"5410e3b\"><h2 class=\"stk-block-heading__text\">When can I open a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-250cbb0\" data-block-id=\"250cbb0\"><p class=\"stk-block-text__text\">You can only open a vested benefits policy if you do NOT join a new pension fund immediately after leaving the old pension fund.\nThis applies, for example, if you are unemployed or planning a job break. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-47bc386\" data-block-id=\"47bc386\"><p class=\"stk-block-text__text\">You can also open a vested benefits policy if you have bought into the regulatory benefits of a new pension fund and have residual assets from the transferring pension fund.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e5d74c4\" id=\"wann-brauche-ich-eine-freizugigkeitspolice\" data-block-id=\"e5d74c4\"><h2 class=\"stk-block-heading__text\">When do I need a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f93f060\" data-block-id=\"f93f060\"><p class=\"stk-block-text__text\">A vested benefits policy can be useful if you want to insure against the risks of disability and death in addition to retirement provision.\nIt offers you insurance cover if you become disabled or die before the normal retirement age.\nThe policy allows you to withdraw the pension capital you have saved in the form of a lifelong pension or a one-off lump-sum payment.\nThe vested benefits policy is less suitable if you want to transfer your pension fund assets back to a pension fund in the near future.\nThis is because a vested benefits policy cannot be terminated prematurely without incurring a loss.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8{background-color:#02b875 !important}.stk-7f8e3d8:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-sparen-und-versichern-trennen\">Our tip: Separate saving and insuring<\/h3>\n\n\n\n<p class=\"has-white-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\">If you want insurance cover for disability or death, we believe that the alternatives to a vested benefits policy are more attractive.\nAnd these consist of buying risk insurance in pillar 3b and investing your pension fund assets in more lucrative investments, for example in a vested benefits account with a pension fund. <\/p>\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-1bd8fea\" id=\"wie-kann-ich-eine-freizugigkeitspolice-eroffnen\" data-block-id=\"1bd8fea\"><h2 class=\"stk-block-heading__text\">How can I open a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d5859b7\" data-block-id=\"d5859b7\"><p class=\"stk-block-text__text\">To open a vested benefits policy, you must contact an insurance company that offers this insurance solution.\nOpening a vested benefits policy requires you to fill out an application form and provide the necessary documents (e.g. valid ID, instruction to the previous pension fund to transfer the retirement assets).\nOnce the insurance company has processed your application, you will receive the policy and the relevant documents.\nThe vested benefits policy is then financed by a single contribution \u2013 this is the termination benefit from your pension fund.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4c10b3b\" data-block-id=\"4c10b3b\"><p class=\"stk-block-text__text\">Please note that termination benefits are always transferred directly from the transferring pension fund to your new vested benefits policy \u2013 your pension assets always remain in the pension cycle.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f54fb9e\" id=\"was-sind-die-vorteile-einer-freizugigkeitspolice\" data-block-id=\"f54fb9e\"><h2 class=\"stk-block-heading__text\">What are the advantages of a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-691d6ae\" data-block-id=\"691d6ae\"><p class=\"stk-block-text__text\">The advantages of a vested benefits policy lie in the protection of your pension assets, on which you do not want to accept any fluctuations in value.\nIt allows you to withdraw your pension capital as a one-off lump sum payment or as a lifelong pension when the contract expires.\nTypically, you receive the interest-bearing lump sum in the event of survival (i.e. when the contract expires).  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9ec899b\" data-block-id=\"9ec899b\"><p class=\"stk-block-text__text\">Depending on the structure, it also offers insurance cover if you become disabled or die before the normal retirement age.\nIn the event of death before the end of the term, it pays out the agreed lump-sum death benefit. <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1c8df5c\" id=\"was-sind-die-nachteile-einer-freizugigkeitspolice\" data-block-id=\"1c8df5c\"><h2 class=\"stk-block-heading__text\">What are the disadvantages of a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-df46d59\" data-block-id=\"df46d59\"><p class=\"stk-block-text__text\">The vested benefits policy has a number of disadvantages.\nOne of the main disadvantages is that the policy cannot be terminated prematurely without loss.\nThe expiration date is agreed when the policy is taken out and is specified in the policy.\nThe pension capital saved is not flexibly available when you start a new job and have to transfer your termination benefit to the new pension fund.\nPayment is only possible in special cases provided for by law or at the earliest 5 years before reaching the (ordinary) BVG retirement age.\nTechnically, this early termination before the contract expires constitutes a repurchase; a repurchase before the end of the contract is usually associated with a partial loss of your transferred termination benefit.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-eca9ad6\" data-block-id=\"eca9ad6\"><p class=\"stk-block-text__text\">In addition, vested benefits policies are affected by low interest rates, which significantly reduces returns.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8bb3faa\" data-block-id=\"8bb3faa\"><p class=\"stk-block-text__text\">Another disadvantage is that the policy includes insurance benefits, which affects the return.\nThe return is therefore even lower than with a vested benefits account. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-edb1ae5\" data-block-id=\"edb1ae5\"><p class=\"stk-block-text__text\">We are convinced that you should separate savings and insurance.\nThat\u2019s why we believe that a vested benefits account is the better solution for most people. <\/p><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-10fc419\" data-block-id=\"10fc419\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7081\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road.webp\" width=\"1200\" height=\"801\" alt=\"Vested benefits policy FC policy Vested benefits insurance\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road-800x534.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road-768x513.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151009\/Smolio-Blog_portrait-of-a-policeman-on-the-road-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-d54a92e\" id=\"wie-lange-lauft-eine-fz-police\" data-block-id=\"d54a92e\"><h2 class=\"stk-block-heading__text\">How long does an FC policy run for?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8d534c3\" data-block-id=\"8d534c3\"><p class=\"stk-block-text__text\">The contract term of your vested benefits policy is determined when you take out the policy.\nIt ends either on your death or on the \u201csurvival date\u201d, i.e. the date of your <a href=\"https:\/\/www.smolio.ch\/wissen\/referenzalter\/\">normal retirement<\/a> in accordance with the BVG that applied when you took out the policy.\nFrom 2028, the reference age will be 65 for both men and women.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-42e4193\" data-block-id=\"42e4193\"><p class=\"stk-block-text__text\">Some insurance companies offer the option of deferring the policy for up to five years.\nThis can be very attractive from a tax perspective.\nBy then at the latest, the amount will be paid out as a lump sum.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4becc34\" id=\"kann-ich-meine-freizugigkeitspolice-vorzeitig-auflosen\" data-block-id=\"4becc34\"><h2 class=\"stk-block-heading__text\">Can I terminate my vested benefits policy early?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8de5910\" data-block-id=\"8de5910\"><p class=\"stk-block-text__text\">You can only terminate a vested benefits policy prematurely if there are legally defined reasons for doing so.\nOtherwise, the pension capital saved is not flexibly available.\nIn the event of early termination, you will receive the surrender value, which is less than the amount paid in during the first few years.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8c5b647\" id=\"was-ist-der-unterschied-von-freizugigkeitspolice-und-freizugigkeitskonto-was-ist-besser\" data-block-id=\"8c5b647\"><h2 class=\"stk-block-heading__text\">What is the difference between a vested benefits policy and a vested benefits account?\nWhich is better? <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7f22e5a\" data-block-id=\"7f22e5a\"><p class=\"stk-block-text__text\">Vested benefits accounts and vested benefits policies are identical in terms of tax treatment, restrictions on the maximum possible duration and restrictions on cash payouts and beneficiaries.\nBut there are also important differences. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-149e506\" data-block-id=\"149e506\"><p class=\"stk-block-text__text\">Firstly, <strong>pension protection<\/strong> differs between a vested benefits policy and a vested benefits account.\nA vested benefits policy is an insurance solution that protects your capital and also insures you against risks.\nIt covers risks such as disability or death during the term of the policy.\nFinancing the insurance benefits reduces your return.\nThe vested benefits account is about temporarily depositing your vested benefits.\nThe FC policy is also about insuring pension benefits.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-70dd74c\" data-block-id=\"70dd74c\"><p class=\"stk-block-text__text\">Secondly, there is a difference in <strong>flexibility<\/strong>.\nA vested benefits account is a special account into which you pay your termination benefit from the occupational benefit scheme.\nThe account is managed by a vested benefits foundation, which \u201cparks\u201d the money for you and pays interest on an ongoing basis.\nThe vested benefits foundation sets the interest rate independently and can change it at any time.\nAs long as you do not invest the money in securities, you can transfer the account to a new pension fund at any time without incurring any losses.\nThe termination of a vested benefits policy, on the other hand, is associated with losses.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-691aa55 stk-block-background\" data-block-id=\"691aa55\"><style>.stk-691aa55{background-color:#02b875 !important}.stk-691aa55:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-691aa55-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-eaf0f4b\" data-v=\"4\" data-block-id=\"eaf0f4b\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-eaf0f4b-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-eaf0f4b-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-risiken-in-der-saule-3b-versichern\">Our tip: Insure risks in pillar 3b<\/h3>\n\n\n\n<p class=\"has-white-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\">It is better to insure yourself against death and disability by taking out pure risk insurance with an insurance company.\nYou can then invest your vested benefits more advantageously. <\/p>\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-f56d3c8\" id=\"was-sind-die-kosten-einer-freizugigkeitspolice\" data-block-id=\"f56d3c8\"><h2 class=\"stk-block-heading__text\">What are the costs of a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b041bef\" data-block-id=\"b041bef\"><p class=\"stk-block-text__text\">The costs of a vested benefits policy vary depending on the provider and are not always transparent.\nAs a rule, there are no visible costs for taking out or maintaining a vested benefits policy.\nIf the policy is terminated, held for less than a year, funds are withdrawn in advance for home ownership or the policy is suspended, fees of several hundred francs are common.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-621cf9c\" data-block-id=\"621cf9c\"><p class=\"stk-block-text__text\">Please note that the insurance benefits and management of your assets are associated with administrative costs and premiums for the insured benefits.\nYour policy provider recoups these in other ways: either with a lower interest credit than on a vested benefits account.\nOr, if the vested benefits assets are invested in investment funds, with slightly higher fees that are charged directly to the investment funds.\nYou won\u2019t see any of these costs at first, you will only notice them in the return on your assets.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-49fd6ca\" data-block-id=\"49fd6ca\"><p class=\"stk-block-text__text\">Technically, termination before the contract expires is a surrender, which is associated with a partial loss of capital for you.\nThis results, for example, from the fact that the insurance company invests your credit balance on the capital market until the end of the contract and the early termination of this interest differential transaction incurs costs.\nAny acquisition commissions paid by the insurance company to third parties are also charged to your capital and are lost to you.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4f409b8\" id=\"wie-wird-das-kapital-in-einer-fz-police-verzinst\" data-block-id=\"4f409b8\"><h2 class=\"stk-block-heading__text\">How does the capital in an FC policy earn interest?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8f91b62\" data-block-id=\"8f91b62\"><p class=\"stk-block-text__text\">You receive interest on the capital in your vested benefits policy from the insurance company managing the contract.\nThe insurance company usually sets the interest rate each year.\nIt is completely free to set the interest rate \u2013 there is no minimum interest rate as there is in occupational benefits insurance.\nSome providers allow the capital to be invested in funds, which can enable a higher return.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-27256b9\" id=\"wie-wird-eine-fz-police-besteuert\" data-block-id=\"27256b9\"><h2 class=\"stk-block-heading__text\">How is an FC policy taxed?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ab927f1\" data-block-id=\"ab927f1\"><p class=\"stk-block-text__text\">As with other occupational pension assets or pillar 3a assets, you do not pay any wealth, income or withholding tax during the term of the contract.<\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a07d531\" data-block-id=\"a07d531\"><p class=\"stk-block-text__text\">The lump-sum benefit is payable at the retirement age stipulated in the policy.\nIt is taxed separately from other income at a reduced rate: <a href=\"https:\/\/www.smolio.ch\/wissen\/kapitalauszahlungssteuer-kapitabezugssteuer\/\">capital tax<\/a>.\nThe exact amount depends on various factors, such as your canton of residence and your marital or civil status.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-de94300 stk-block-background\" data-block-id=\"de94300\"><style>.stk-de94300{background-color:#02b875 !important}.stk-de94300:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-de94300-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b7a2079\" data-v=\"4\" data-block-id=\"b7a2079\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b7a2079-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b7a2079-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-bei-austritt-guthaben-auf-zwei-stiftungen-verteilen\">Our tip: divide your assets between two foundations when you leave<\/h3>\n\n\n\n<p class=\"has-white-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\">When you leave your pension fund, you can divide your termination benefit between a maximum of two vested benefits institutions.\nThis division of the pension assets is only provided for in the case of a direct transfer from the previous pension fund.\nIt is no longer possible to split a vested benefits account or FC policy once it has been set up.\nWith this division, you can stagger the later withdrawal and thus save taxes.   <\/p>\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-1ce4bca\" id=\"was-passiert-mit-meiner-freizugigkeitspolice-wenn-ich-ins-ausland-ziehe\" data-block-id=\"1ce4bca\"><h2 class=\"stk-block-heading__text\">What happens to my vested benefits policy if I move abroad?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d46fd48\" data-block-id=\"d46fd48\"><p class=\"stk-block-text__text\">Switzerland has concluded agreements on the free movement of persons with the EU and EFTA.\nThis means that if you leave Switzerland permanently, you can withdraw your policy assets as follows: if you move to the EU and EFTA countries (with the exception of Liechtenstein), you can withdraw the extra-mandatory portion; if you move to other countries, you can withdraw the entire capital.\nCheck which tax regulations apply to these lump-sum benefits in your new home country, for example in this <a href=\"https:\/\/www.frag-einen-anwalt.de\/Besteuerung-der-Auszahlung-aus-einer-Freizuegigkeitspolice--f348273.html\" target=\"_blank\" rel=\"noreferrer noopener\">article<\/a> for Germany.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-bfef453\" id=\"kann-ich-meine-freizugigkeitspolice-fur-den-kauf-von-wohneigentum-verwenden\" data-block-id=\"bfef453\"><h2 class=\"stk-block-heading__text\">Can I use my vested benefits policy to buy a home?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c819224\" data-block-id=\"c819224\"><p class=\"stk-block-text__text\">Yes, you can withdraw your vested benefits early to finance owner-occupied residential property within the framework of the statutory provisions on home ownership promotion.\nThe exact modalities and conditions for the early withdrawal of home ownership are determined by the respective insurance company. <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-28259b0\" id=\"was-passiert-mit-meiner-freizugigkeitspolice-nach-einer-scheidung\" data-block-id=\"28259b0\"><h2 class=\"stk-block-heading__text\">What happens to my vested benefits policy after a divorce?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-77fce09\" data-block-id=\"77fce09\"><p class=\"stk-block-text__text\">A divorce results in a pension equalization.\nThe pension capital saved during the marriage is divided equally between the spouses and the former spouse receives a share of the assets.\nVested benefits assets and therefore also the FC policy are subject to pension equalization.\nIf things go wrong, you will have to liquidate your policy at a loss in order to pay your former spouse his or her share.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-cededce\" id=\"wie-sicher-ist-eine-freizugigkeitspolice\" data-block-id=\"cededce\"><h2 class=\"stk-block-heading__text\">How secure is a vested benefits policy?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-24882ba\" data-block-id=\"24882ba\"><p class=\"stk-block-text__text\">Assets from the vested benefits policies are fully guaranteed by the insurance company at all times.\nThis is because it must set up tied and specially segregated special assets for this purpose.\nFINMA monitors that the insurance companies comply with the relevant regulations.\nThe security of a vested benefits policy therefore depends on the creditworthiness of the insurance company.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8da8237\" id=\"was-passiert-mit-meiner-freizugigkeitspolice-im-todesfall\" data-block-id=\"8da8237\"><h2 class=\"stk-block-heading__text\">What happens to my vested benefits policy in the event of my death?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3795a91\" data-block-id=\"3795a91\"><p class=\"stk-block-text__text\">Vested benefits assets are not part of your estate.\nThis is because pension assets should primarily benefit those who are financially affected by your departure.\nDepending on the contract or regulations of your vested benefits institution, it pays out a lump sum or a pension.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e76b29e\" data-block-id=\"e76b29e\"><p class=\"stk-block-text__text\">Therefore, in the event of death, the benefit goes to the beneficiaries in accordance with the order of beneficiaries.\nIf you do nothing, the statutory order according to Art. 20a BVG applies \u2013 see table. <\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Sequence<\/th><th>Beneficiaries of the level<\/th><\/tr><\/thead><tbody><tr><td>Legal level<\/td><td>Surviving spouse<br\/>Dependent children<br\/>Registered partner<\/td><\/tr><tr><td>  1st level (or rank)<\/td><td>Significantly supported natural persons<br\/>Cohabiting partners from 5 years of age<\/td><\/tr><tr><td>  2nd stage<\/td><td>Children who no longer require support<br\/>Parents<br\/>Siblings<\/td><\/tr><tr><td>  3rd stage<\/td><td>Other legal heirs<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Order of beneficiaries under Art. 20a BVG \u2013 who receives your vested benefits policy in the event of death?<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2ecc2d6\" data-block-id=\"2ecc2d6\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9f5dd8d\" data-block-id=\"9f5dd8d\"><p class=\"stk-block-text__text\">The law stipulates the first level \u2013 they always benefit, so you can\u2019t exclude them completely.\nIf there are several people in this group, they will receive the money in equal shares \u2013 unless you have specified who should receive which share. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6da0201\" data-block-id=\"6da0201\"><p class=\"stk-block-text__text\">You can partially change this order or specify the percentage shares that beneficiaries in the same tier should receive.\nHowever, you cannot kick people out of the first tier.\nIf you wish, you can directly benefit people from group 2 (and only those) by adding them to group 1.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-989d6d6\" data-block-id=\"989d6d6\"><p class=\"stk-block-text__text\">And if there is at least one person in a level, this level cannot be skipped.\nIn concrete terms, this means that someone in level 3 only gets a turn if there is no one in the previous levels. <\/p><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-a26b6b9\" data-block-id=\"a26b6b9\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7083\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near.webp\" width=\"1200\" height=\"801\" alt=\"Vested benefits insurance FC policy Vested benefits policy Vested benefits policy\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near-800x534.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near-768x513.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17151138\/Smolio_Blog_attractive-policewoman-talking-by-radio-set-near-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-7ec9058\" id=\"wie-kann-ich-meine-freizugigkeitspolice-in-die-pensionskasse-eines-neuen-arbeitgebers-ubertragen\" data-block-id=\"7ec9058\"><h2 class=\"stk-block-heading__text\">How can I transfer my vested benefits policy to the pension fund of a new employer?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5f74b9d\" data-block-id=\"5f74b9d\"><p class=\"stk-block-text__text\">As part of the statutory provisions on occupational benefits, you must transfer your vested benefits to the pension fund of a new employer.\nThis transfer process usually takes place on the basis of a transfer application, which you must submit to your new pension fund. <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-08f2ee0\" id=\"was-passiert-mit-meiner-freizugigkeitspolice-bei-arbeitslosigkeit\" data-block-id=\"08f2ee0\"><h2 class=\"stk-block-heading__text\">What happens to my vested benefits policy in the event of unemployment?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-75099ee\" data-block-id=\"75099ee\"><p class=\"stk-block-text__text\">In the event of unemployment, the vested benefits policy remains in place and is not terminated.\nThe accumulated pension capital will continue to be managed by the insurance company. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b65bf4e\" data-block-id=\"b65bf4e\"><p class=\"stk-block-text__text\">If you are unemployed and receive daily allowances from unemployment insurance, you are compulsorily insured with the BVG Substitute Occupational Benefit Institution against the risks of disability and death, but no longer save for your retirement.\nTo prevent pension gaps, you can take out voluntary insurance with the Substitute Occupational Benefit Institution.\nHowever, you will then have to pay both employee and employer contributions, as your employer will no longer pay for you.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-902a736 stk-block-background\" data-block-id=\"902a736\"><style>.stk-902a736{background-color:#02b875 !important}.stk-902a736:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-902a736-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-fe2cd7d\" data-v=\"4\" data-block-id=\"fe2cd7d\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-fe2cd7d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-fe2cd7d-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-lucke-mit-spateren-einkauf-schliessen\">Our tip: close the gap with a later purchase<\/h3>\n\n\n\n<p class=\"has-white-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\">If you cannot afford the contributions for financial reasons, you can close your pension gap later by <a href=\"https:\/\/www.smolio.ch\/wissen\/pensionskasseneinkauf-sparvariante-wahlplan\/\">purchasing into the pension fund<\/a>.<\/p>\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-8fbfc5e\" id=\"wie-wird-eine-freizugigkeitspolice-bei-selbststandigkeit-behandelt\" data-block-id=\"8fbfc5e\"><h2 class=\"stk-block-heading__text\">How is a vested benefits policy treated in the case of self-employment?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1fe2c3e\" data-block-id=\"1fe2c3e\"><p class=\"stk-block-text__text\">In the event of self-employment, the vested benefits policy generally remains in place.\nSelf-employment is a permissible reason for drawing benefits from the pension plan.\nSelf-employment must be your main occupation and the withdrawal must <a href=\"https:\/\/www.kmu.admin.ch\/kmu\/de\/home\/praktisches-wissen\/finanzielles\/finanzierung\/beteiligungsfinanzierung\/eigenkapital-durch-bezug-des-pensionskassenkapitals.html\" target=\"_blank\" rel=\"noreferrer noopener\">be made<\/a> when the company is founded, but at the latest within one year of becoming self-employed as a sole proprietorship or general partnership.\nA withdrawal for self-employment with your own corporation is not possible.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ec31fbb\" data-block-id=\"ec31fbb\"><p class=\"stk-block-text__text\">If you would like to use your credit balance from the policy to take up permanent self-employment, you will receive the surrender value of the policy.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-21053c8\" id=\"wie-wird-eine-freizugigkeitspolice-im-falle-von-invaliditat-behandelt\" data-block-id=\"21053c8\"><h2 class=\"stk-block-heading__text\">How is a vested benefits policy treated in the event of disability?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-85e02f4\" id=\"im-falle-von-invaliditat-bleibt-die-freizugigkeitspolice-grundsatzlich-bestehen-wenn-du-unbestrittener-massen-invalide-bist-und-eine-volle-iv-rente-bekommst-aber-keine-pensionskasse-eine-invalidenrente-ausrichten-muss-dann-darfst-du-das-gesamte-freizugigkeitsguthaben-auszahlen-lassen-du-erhaltst-dann-den-ruckkaufwert-der-police\" data-block-id=\"85e02f4\"><p class=\"stk-block-text__text\">In the event of disability, the vested benefits policy remains in place.\nIf you are undisputedly disabled and receive a full disability pension, but no pension fund is required to pay a disability pension, you can have the entire vested benefits balance paid out.\nYou will then receive the surrender value of the policy.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1f16029\" data-block-id=\"1f16029\"><p class=\"stk-block-text__text\">If you were insured with a pension fund when the reason for your disability arose, you should wait to withdraw your vested benefits.\nThis is because you may also receive a disability pension from your former pension fund in addition to your IV pension.\nTo do this, you would have to return your vested benefits to the pension fund.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e2c0bd7\" data-block-id=\"e2c0bd7\"><p class=\"stk-block-text__text\">You can find out more about occupational benefits and disability in this <a href=\"https:\/\/www.proinfirmis.ch\/behindertwastun\/renten-und-ergaenzungsleistungen\/invalidenrenten-der-beruflichen-vorsorge.html\" target=\"_blank\" rel=\"noreferrer noopener\">article<\/a>.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-07e3d86\" id=\"welche-anbieter-von-freizugigkeitspolicen-gibt-es\" data-block-id=\"07e3d86\"><h2 class=\"stk-block-heading__text\">Which providers of vested benefits policies are there?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3c85791\" data-block-id=\"3c85791\"><p class=\"stk-block-text__text\">The demand for vested benefits policies has declined with the low interest rates.\nThis is why many large insurance companies (such as Zurich, Mobiliar and Axa) have withdrawn from the vested benefits policy business in recent years.\nOthers (such as Baloise or Allianz) now only offer vested benefits policies to existing customers.\nGenerali Versicherung, for example, is accepting new customers.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-111ebf9\" id=\"zusammenfassung-freizugigkeitspolice\" data-block-id=\"111ebf9\"><h2 class=\"stk-block-heading__text\">Summary of vested benefits policy<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e06b78f\" data-block-id=\"e06b78f\"><p class=\"stk-block-text__text\">With a vested benefits policy, you can deposit your termination benefit from the pension fund with an insurance company for a fixed contract term until you reach normal retirement age.\nIn addition to capital protection, you also acquire insurance cover against death and disability, depending on the structure.\nWe are of the opinion that it is better to insure these risks in the unrestricted pension plan (pillar 3b) and either park your retirement assets in a vested benefits account or invest them in a vested benefits custody account.  <\/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\u0308bersicht-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","protected":false},"excerpt":{"rendered":"<p>You can deposit your termination benefit from the pension fund in a vested benefits policy.<br \/>\nBut what exactly is it and does it make sense for you?<br \/>\nRead the article to find out what a vested benefits policy is, the differences to a vested benefits account and the 20 most frequently asked questions about vested benefits policies.<br \/>\nThis will help you decide whether this solution is right for you.   <\/p>\n","protected":false},"author":8,"featured_media":7077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2401,2176,2177],"tags":[2273,2360,2403,2414],"class_list":{"0":"post-8607","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":"category-understanding-the-swiss-pension-system","10":"tag-expats-en","11":"tag-vested-benefits","12":"tag-vested-benefits-account","13":"tag-vested-benefits-policy"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"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\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee.webp",1200,801,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-800x534.webp",800,534,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-768x513.webp",768,513,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee.webp",1140,761,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee.webp",1200,801,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee.webp",1200,801,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/12\/17143811\/Smolio_Blog_Freizugigkeitspolice_attractive-policewoman-with-paper-cup-of-coffee-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>You can deposit your termination benefit from the pension fund in a vested benefits policy.<br \/>\nBut what exactly is it and does it make sense for you?<br \/>\nRead the article to find out what a vested benefits policy is, the differences to a vested benefits account and the 20 most frequently asked questions about vested benefits policies.<br \/>\nThis will help you decide whether this solution is right for you.   <\/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>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/\" rel=\"category tag\">Understanding the Swiss pension system<\/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\/8607","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=8607"}],"version-history":[{"count":1,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8607\/revisions"}],"predecessor-version":[{"id":8608,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8607\/revisions\/8608"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7077"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}