severin.leuzinger@assetvision.ch 
+41 76 417 22 18 
+41 43 266 98 13 Occupational Pension
Crafting tomorrow's security
Vested Benefits
At Assetvision, we are dedicated to simplifying vested benefits management. We have partnered with trusted experts to provide you with a range of choices, making it effortless to select the right asset manager tailored to your goals and needs.
Our priority is customization, guaranteeing that your investments perfectly match your financial objectives, while also ensuring a seamless and efficient implementation. We are here supporting you make informed decisions and have peace of mind knowing your pension is in capable hands.
Occupational Pension Plan
Are you in search of the perfect pension plan for your business? Have you thought about the insurance coverage for your employees? We know that every business is unique, and your employee benefit requirements may vary. Depending on your company’s size, there can be different pension plan schemes with varying prices.
Partner with us, and we will simplify the process by guiding you through the landscape of options, crafting customized solutions and connecting you with trusted BVG providers in Switzerland. Together, we will find the perfect solution for you and your valued team.
Cadre Pension Plan
Empower your management employees with our occupational cadre pension services. We provide personalized advice for non-compulsory pension structuring, helping both you and your employees explore a range of modern pension solutions with plenty of customization options through our trusted partners.
Let your management employees take advantage of tax privileges and maintain full control over their investment strategy, along with complete transparency regarding costs and performance at all times.
Frequently asked questions
If you do not know where to find your LPP/BVG pension assets, contact the Substitute Occupational Benefit Institution. It manages the assets of those who have left a pension fund or company without giving instructions.
In case you have not reached retirement age, you must open a vested benefits account to deposit your assets. Book an appointment with us to find the best solution and provider for your needs.
An insured individual can request a cash payment of their 2nd pillar pension benefits if they can demonstrate that they are permanently relocating from Switzerland to settle abroad. However, the specific terms and conditions for this payout vary depending on the destination country.
If the insured person is moving permanently to an EU/EFTA country where citizens are required to have insurance for old age, death, and disability risks, they cannot receive a cash payout for their LPP/BVG pension benefits. Nonetheless, they can receive a cash payout for the non-compulsory portion of the benefits.
If the insured person is relocating permanently to an EU/EFTA country that does not mandate insurance for old age, death, and disability risks, they can receive a cash payout for all benefits acquired under the LPP/BVG plan.
If the insured person is permanently leaving Switzerland for a country outside the EU/EFTA, they can receive a cash payout for all benefits acquired under the LPP/BVG plan.
In accordance with Swiss Federal Law (Article 5b LFLP/FZG), individuals who become self-employed and are no longer required to be part of the LPP/BVG scheme can request a cash payment of their termination benefits.
Cash payouts are liable to a distinct flat tax on lump-sum benefits at the time of payment. If you are still resident in Switzerland at the time of payment, the capital tax of the canton of residence applies. However, if you are already resident abroad at the time of payment, the withholding tax of the canton where the vested benefits foundation is domiciled applies.
It is important to note that under the social insurance law, someone is deemed to be self-employed in the case of sole proprietorship. Unlike sole proprietorship an owner of an AG or GmbH is considered to be an employee and a 2nd pillar is in this case obligatory. For sole proprietors it is voluntary to join a pension fund and in some cases, there are industry associations, making it possible for members to join the collective foundation of the association. Feel free to reach out to us, and we will be delighted to help address your needs and questions.
Reserve an appointment
Our team specializes in providing comprehensive and personalized financial planning solutions tailored to your needs.
We look forward to the opportunity to meet with you and discuss how we can help you achieve your financial goals.