Pension Planning
Your Pension Capital, Invested Deliberately Rather Than Left Idle
When you leave an employer, your occupational pension capital has to go somewhere — and if it isn’t moving to a new employer’s scheme, it sits as vested benefits. Left in a standard account, it earns close to nothing. Held in an individual investment solution, that same capital can be invested to a strategy you choose, within the strict parameters the law sets, with the returns belonging to you rather than being pooled across other members.
What's Included
Vested Benefits Accounts
A home for occupational pension capital when it cannot transfer to a new employer’s scheme, held under Swiss vested benefits rules.
Individual Investment Solutions
Your pension capital invested to a strategy matched to your time horizon and risk tolerance, in your own portfolio rather than a collective pool.
Risk Coverage
Optional cover replacing the protection lost when leaving an employer’s scheme — death benefits, and where required, disability, accident, and illness.
Withdrawal Planning
Guidance on early withdrawal for home ownership, self-employment, or early retirement, and what each route costs in tax and in foregone growth.
Three-Pillar Coordination
Your occupational and private provision considered together with state entitlements, so the pieces work as one plan.
Cross-Border Payouts
Support for clients retiring or relocating abroad, including arrangements for receiving benefits outside Switzerland.
Service Benefits
The Difference Between Parked and Invested
Vested benefits capital often sits for years earning close to nothing, at exactly the stage when it has the longest runway to grow. An individual investment solution changes that without leaving the regulated environment: you choose the strategy, you can change it as circumstances shift, and the returns are yours alone. Costs stay low and visible because the underlying investments are straightforward.
Benefits
- Returns attributed to you, not shared across a collective
- Strategy chosen by you and adjustable over time
- Risk cover available to replace what leaving a scheme removes
- Low, transparent costs
- Flexible withdrawal — lump sum, pension, or a combination
- Payouts available abroad
How We Work
A Structured Approach to Professional Bookkeeping
Step 01
Reviewing Your Position
We establish what pension capital you hold, where it sits, and how long it has before you expect to draw on it.
Step 02
Strategy & Risk Cover
An investment strategy is set against your horizon and risk tolerance, and we identify what protection you lost on leaving your employer’s scheme.
Step 03
Transfer & Implementation
We handle the transfer of your vested benefits and put the portfolio in place within the applicable regulatory parameters.
Step 04
Review & Withdrawal Planning
The strategy is reviewed as your circumstances change, and we plan the withdrawal well before you need it — the decisions there are largely irreversible.
WHY CAPITAL HERITAGE
Pension Capital Treated Like Any Other Serious Mandate
Your Own Portfolio
Not a collective pool. The strategy is yours, and so is the performance.
Managed by Our Investment Team
The same research and portfolio discipline applied across the bank, not a separate low-attention product.
Coordinated With Your Wider Wealth
Pension capital planned alongside the rest of your position rather than in isolation.
Clear on Costs
Fees and underlying costs disclosed in full, because on a multi-decade horizon they compound as surely as returns do.
FAQs
When you leave an employer, your accumulated occupational pension capital transfers to your new employer's scheme. If there is no new scheme — you are between jobs, self-employed, or leaving Switzerland — it is held as vested benefits with a bank or foundation until you are entitled to draw it.
Access is restricted by law. Full or partial withdrawal is permitted in specific circumstances, including purchasing your own home, becoming self-employed, or taking early retirement. The supplementary portion carries fewer restrictions.
A standard vested benefits account earns close to nothing. Over the years this capital typically sits untouched, that gap compounds into a substantial difference in what you eventually draw.
It ends when you leave the scheme. That's often overlooked. We can arrange cover for death and, where needed, disability, accident, and illness, so your family isn't exposed during the gap.
Yes. Because the portfolio is individually held, the strategy can be adjusted as your horizon shortens or your circumstances change.
Yes — payouts abroad can be arranged. The tax treatment depends on your destination, so this is worth planning well ahead of the move.
Find Out What Your Pension Capital Could Be Doing
If you hold vested benefits sitting in a standard account, a short conversation will tell you what a strategy-based approach would look like over your remaining horizon.