Vested benefits

Vested benefits refer to the occupational pension assets (2nd pillar) that you retain when you leave a pension fund without immediately joining a new institution. Too often, these funds remain parked in low-interest bank accounts while waiting for retirement or a new job.

Potential for returns

Potential for returns

Your vested benefits are not locked in a simple account with no options—you have the freedom to choose where and how to invest them. GIP makes these funds more accessible by guiding you toward vested benefits foundations that offer high-performing investment solutions. Instead of settling for low interest rates, our experts help you benefit from long-term market growth. This increased access to better-yielding investments translates into the growth of your pension capital, without compromising the security essential for retirement assets.

High-performing and prudent management

GIP adopts expert and disciplined wealth management for your vested benefits. Smart investing begins with defining a strategy that matches your needs and risk tolerance, while keeping in mind that these funds are intended for retirement. We favor an active and diversified approach: the goal is to maximize returns during favorable market phases while limiting losses during downturns.

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No income or wealth tax is due while your assets remain in a vested benefits account. (Taxation applies only when the capital is withdrawn.)

CHF5.6

billion is the estimated amount of unclaimed and unmanaged vested benefits in Switzerland.

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Integration into your wealth

We consider your vested benefits to be an integral part of your overall wealth. That’s why we incorporate their management into your broader financial planning. In practical terms, this means that decisions regarding your vested benefits are coordinated with your other investments—such as your 3rd pillar, private portfolios, or real estate. This approach helps balance risk across all your assets and avoids overlaps or inconsistencies in your investment strategies.

Frequently asked questions

0.65% per year.


From age 58 (the legal minimum age). Conditions depend on your personal situation.


Yes, up to two accounts are allowed.


Contact us for a personal discussion