Vested Benefits Management(Libre Passage)
Optimize your vested benefits when changing jobs or leaving Switzerland with FINMA-compliant 2025 investment strategies.
New 2025 Regulations for Vested Benefits
Enhanced Protection
- Enhanced protection against losses
- Increased fee transparency
- Reduced transfer times (max 30 days)
Investment Options
- ESG funds authorized
- Life-cycle strategies
- Simplified digital management
International Mobility
- Extended bilateral agreements
- Facilitated EU transfers
- Optimized taxation
When Can You Invest Your Vested Benefits?
Understanding key moments and legal conditions to optimize your investments according to 2025 FINMA regulations.
Job Change
Optimal Timing
Transfer within 6 months to avoid temporary management fees and optimize your investment strategy.
Continuous Protection
Maintain your insurance coverage during transition with new 2025 FINMA guarantees.
Leaving Switzerland
EU/EFTA Destination
Partial transfer possible (super-mandatory part) while maintaining tax benefits under 2025 bilateral agreements.
Third Countries
Cash withdrawal possible with tax optimization according to your new country of residence.
Real Estate Purchase
Primary Residence
Use for purchase, construction, or major renovation of your primary residence in Switzerland.
Tax Benefits
Early withdrawal without penalties with possibility of later repurchase to optimize your tax situation.
Self-Employment
Business Creation
Finance your self-employment with new 2025 FINMA facilities for entrepreneurs.
Productive Investment
Strategic use to develop your business with personalized tax guidance.
Why Optimize Your Vested Benefits?
Investment Performance
Maximize the return on your retirement assets with optimized investment strategies compliant with new 2025 FINMA guidelines.
Security and Transparency
Choose a reliable vested benefits institution with transparent fees and enhanced capital protection according to 2025 standards.
Tax Efficiency
Optimize the taxation of your benefits according to your personal situation with new bilateral agreements and international facilities.
These figures are approximate and may vary depending on the institution, chosen investment strategy, and market conditions. Past performance does not guarantee future results.
Advanced Capital Growth Projection Tool
Visualize the growth potential of your vested benefits with different investment scenarios
Growth Projections
Key Metrics
Request Your Vested Benefits Strategy
Get professional advice to optimize your vested benefits according to the latest 2025 FINMA regulations