2P Vested Benefits Savings Account

This is a savings account that allows you to continue growing your occupational pension assets if you leave your current job and all or part of your vested termination benefits cannot be transferred to a new pension fund. These accounts offer a higher rate of interest than standard savings accounts and are tax-advantaged in several ways.

The assets in these accounts can only be withdrawn under certain conditions, such as when you reach retirement, leave Switzerland permanently or buy your own home.

2P Vested Benefits Growth Account

This account allows you to continue growing your occupational pension assets if you leave your current job and all or part of your vested termination benefits cannot be transferred to a new pension fund. It offers higher returns than the 2P Vested Benefits Savings Account, but the risk is greater since a portion of your assets is invested in stocks.

The assets in these accounts can only be withdrawn under certain conditions, such as when you reach retirement, leave Switzerland permanently or buy your own home.

Private retirement savings account ( Epargne 3 )

This account represents one way of building up private retirement savings as a safeguard for your financial future. These accounts offer a higher rate of interest than standard savings accounts and are tax-advantaged in several ways.

The assets in these accounts can only be withdrawn under certain conditions, such as when you reach retirement, leave Switzerland permanently or buy your own home.

Private retirement portfolio account ( Portfolio 3 )

This account is the ideal complement to a private retirement savings account, enabling you to place some or all of your private retirement savings in investment funds, depending on your risk profile. This account offers higher returns than the private retirement savings account, but the risk is greater since a portion of your assets is invested in funds.

Life Invest

This is a third-pillar life insurance policy linked to investment funds. It is a flexible policy that allows you to choose how much you wish to invest as a one-off premium (minimum: CHF 20,000). This amount is then placed in the appropriate BCV or Swisscanto investment funds, depending on your risk profile. Unlike a traditional life insurance policy, you can keep track of your investment, and can also switch funds at any time.

The amount you receive when the policy matures will depend on the performance of the funds in which you invested. In the event of your death, your loved ones will receive a guaranteed lump-sum payment.

Income Plan Garant

This plan enables you to convert your savings into a guaranteed regular income stream. You will benefit from any upside on the markets, and you will always be free to end the plan and withdraw your funds in the event of unexpected liquidity needs.

First, you choose the amount of the one-off investment (minimum: CHF 20,000), the term (between 15 and 25 years), and the payment frequency (monthly, quarterly, half-yearly or yearly). You then receive guaranteed regular payments throughout the term selected. Your money is invested in Swisscanto index funds, and the payment amount will increase permanently if the funds perform well. Any amount left over in your account at the end of the term will be returned to you.

Life insurance

We offer a life insurance policy to provide protection in the event of your death and/or disability. In such a situation, you or your loved ones will receive a guaranteed lump-sum payment.

It is also possible to take out a policy for two individuals, so that if one person dies or becomes disabled, the other is protected. This is particularly useful if you are buying a property with someone and want to ensure that one person alone will be able to continue paying for the property if the other dies or becomes disabled.