Lower fees without and no fees for currency exchange
Direct access: #Strategies #Fund list
Advantages
Your advantages with finpension pension funds
Within the framework of vested benefits, you can decide for yourself how your assets from second pillar are invested. The securities solution from finpension offers the following advantages:
Cheaper
Better
Better performance thanks to exemption from foreign taxes on dividends
Higher
Higher interest rates on bond and money market funds than on a account
More effective
More effective thanks to advance payment of withholding tax reclaim
Fees
A flat-rate fee – fund costs included
The investment strategies offered are implemented with zero-free funds. This means that there are no additional costs for the TER. They are included in the flat-rate administration fee.
No transaction or custody fees are charged.
0.49%
Fees
Transparent fees cannot be taken for granted
But the low flat-rate fee is not enough. Compared to other providers, you also save where you might not even realise it. Here are a few examples:
No margin when changing into other currencies
No issuing commission
Withholding tax exemption
Added value
High added value for your occupational benefit scheme
One percent more or less. Who cares about that? But watch out: Over time, a supposedly small difference can make a lot of money. Take a look for yourself:
Basis for calculation:
Investment period of 25 years, average annual return of 3.25%, including an additional return of 0.75% compared to competitors due to lower investment costs and withholding tax optimisation.
Investment strategies
Invest your vested benefits in values that are important to you
We have put together six investment strategies for you with varying degrees of equity exposure. The strategies are available in three different versions, Global, Switzerland and Sustainable.
Each strategy can be adapted individually. You decide. But don’t worry, we will help you.
App Features
Customised strategies
The perfect solution for anyone who wants more room for manoeuvre: individual investment strategies.
With just a few clicks, you can change the weightings of the various investment instruments or replace them completely. You can find the right investment instrument using the filter and search options.
The fund factsheets are also linked to the investment instruments so that you always have all the information to hand.
Fund house
Institutional pension funds in which large pension funds also invest
Your strategy is implemented with the zero-free funds of Credit Suisse, Swisscanto or UBS.
The fund houses are all on a par. None is superior to the other. Choose one of the fund houses according to your preference, or combine the funds as you wish with an individual strategy.
Swisscanto
Your strategy is implemented with Swisscanto’s index funds. Swisscanto is owned by Zürcher Kantonalbank.
UBS
Your strategy is implemented with the UBS index funds.
ex Credit Suisse
Your strategy is implemented with the Credit Suisse Index Funds (CSIF).
Process
Investing vested benefits: For all those who strive for more
Would you like to get more out of your vested benefits? With shares, you have the chance of a significantly higher long-term return than with a vested benefits account. You also benefit from dividends that do not have to be taxed as income.
Open a vested benefits deposit account
Register in the finpension app by opening a portfolio with the Vested Benefits Foundation.
Step
1
Transferring vested benefits
Have an existing vested benefits account transferred to finpension.
Step
2
Automated investment
Your deposit is always invested in your investment strategy on the second bank working day of the week.
Step
3
Get more from your pension
If you invest your vested benefits for the long term, you have a good chance of achieving significantly higher pension fund assets than with a vested benefits account.
Target
FAQ
Questions & answers about the vested benefits custody account from finpension
What is a vested benefits custody account?
The vested benefits portfolio is designed to invest the funds from your vested benefits account in securities. Do you have a long investment horizon? In that case, it may be worthwhile to invest your vested benefits in securities rather than keeping them in an account.
How many vested benefits custody accounts can I open?
You can open up to five portfolios with different strategies per vested benefits foundation.
Looking to split your pension fund assets? Open two vested benefits portfolios with finpension—one with the first vested benefits foundation and one with the second. You’ll find instructions on how to do this on the page for the finpension Vested Benefits Foundation II.
When is the deposit invested in the vested benefits custody account?
Purchases and sales of fund units always take place on the second bank working day of the week (please note: the settlement of trades is delayed by two to three bank working days).
Before we trade, we check whether other clients within the client base of the finpension Vested Benefits Foundation have orders to the contrary. Ultimately, we only trade what is necessary on balance. This internal netting is fully automated.
Thanks to netting, we can often settle purchases and sales at better prices than other providers can.
Can I change my investment strategy at any time?
You can change the strategy at any time free of charge. Choose a different standard strategy or customise your strategy. The strategy is implemented on the second banking day of the week.
Is there an automatic rebalancing?
If a fund’s allocation deviates from the target allocation by more than one percentage point, your entire portfolio will be rebalanced. Investments will be sold and purchased to restore the target allocations of the individual index funds.
Rebalancing is carried out weekly on the second banking day of the week. No transaction fees apply. Rebalancing can be deactivated if desired.
Do I have to pay tax on a vested benefits portfolio?
You do not have to pay tax on a vested benefits account. Your pension assets are only taxed when withdrawn, through what is known as the capital withdrawal tax. For this reason, it can be beneficial to keep your vested benefits in the pension system for as long as possible. However, be sure to also consider the advantages of a staggered withdrawal.
Can you withdraw money from a vested benefits portfolio?
No, you generally cannot withdraw money from a vested benefits portfolio. Funds can only be accessed upon retirement or in a few exceptional cases, such as early withdrawal for home ownership, emigration, or starting self-employment.
Web application and mobile app
Register now & try it out without obligation
You can register directly via our web app or by downloading the free finpension app to your smartphone. No minimum fee and no obligation to make a deposit.
- Without obligation and without a minimum contract duration
- Up to 5 independent portfolios
- Free choice between account or securities
- 25 CHF fee credit per referral
Have your health insurance card ready – it contains the AHV number you will need for registration.
Vested Benefits Foundation