Freizügigkeitskonto
Vested Benefits Account
[Fry-tsu-gig-kytes-konto]Simple Definition
A temporary blockade account to park your 2nd Pillar (Pension) assets when you are "between jobs", taking a sabbatical, or leaving Switzerland permanently.
Why this matters to Expats.
The "Lost Billions". Billions of Francs sit in low-interest default accounts because people forget to move them. If you quit a job, you MUST instruct your old employer where to send the money. Ideally, send it to a digital foundation (like Finpension/Viac) where you can invest it in the stock market.
Actionable Intelligence
Split It: You can usually split your pension into TWO vested benefits accounts at different foundations. This allows you to withdraw them in different years later to save taxes (Breaking Progression).
Leaving CH: If you move to a non-EU country, you can cash slightly ALL of this out. If EU, you can only cash out the "Extra-Mandatory" part.
Frequently Asked Questions
Does it earn interest?
Default accounts pay ~0.01%. Invested accounts can follow the market (5-7%).
Can I use it for a startup?
Yes! You can withdraw it to fund your own company (GmbH/AG) as specific seed capital.
Confused by Swiss Insurance?
Don't overpay on your Franchise. Our calculator finds your sweet spot in seconds.
Compare Now