The vested benefits capital can be drawn at the earliest five years before and at the latest five years after the ordinary AHV retirement age. In addition, the credit balance can be withdrawn in advance as part of the advance withdrawal for homeownership, when taking up self-employment or when emigrating.
From 2030, it will no longer be possible to simply defer withdrawing vested benefits beyond the normal retirement age. From then on, proof of continued employment will be required.