{"id":2497,"date":"2025-07-01T07:15:15","date_gmt":"2025-07-01T07:15:15","guid":{"rendered":"https:\/\/invexa.ch\/?p=2497"},"modified":"2025-11-06T08:33:49","modified_gmt":"2025-11-06T08:33:49","slug":"retrait-compte-libre-passage","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/pension\/withdrawal-from-vested-benefits-account\/","title":{"rendered":"How to Withdraw Funds from Your Vested Benefits Account"},"content":{"rendered":"
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What is a vested benefits account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A vested benefits account<\/a> is used to receive assets from the 2nd pillar (LPP)<\/a> when a person leaves a pension institution \u2014 for example, due to a job change, departure from Switzerland, or transition to self-employment. This account can be opened with a bank, an insurance company, or a vested benefits foundation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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In which cases can you withdraw your vested benefits account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Early withdrawal is strictly regulated by law. It is only allowed in certain exceptional situations, which are almost identical to the conditions for withdrawing occupational pension assets<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1. Permanent departure from Switzerland<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you leave Switzerland on a permanent<\/strong> basis, you can withdraw the entire balance<\/strong> of your vested benefits account. However, if you move to an EU\/EFTA<\/strong> country and become affiliated with a local social security system, only the extra-mandatory<\/strong> portion can be withdrawn. The legal minimum under the LPP must remain in Switzerland until retirement or the occurrence of a pension event (disability\/death).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. Start of self-employment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you become self-employed and are no longer subject to the LPP, you can request a withdrawal<\/strong> of your vested benefits. You will need to provide proof<\/strong> of your self-employed status (commercial register extract, AVS confirmation, etc.).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3. Purchase of a primary residence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can use your vested benefits to purchase<\/strong>, build<\/strong>, or repay a mortgage<\/strong> on your primary residence. Up to the age of 50<\/strong>, you may withdraw the full amount. After that, the withdrawal is partially limited to the vested benefits entitlement at age 50, or to half<\/strong> of the entitlement at the time of the withdrawal \u2014 whichever is higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4. Receipt of a full disability pension (IV)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you are recognized as 100 % disabled by the disability insurance, you can receive your vested benefits account in the form of capital<\/strong>. Some service providers (e.g. insurance companies) also offer annuities until retirement age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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5. Withdrawal in case of a low account balance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If your vested benefits amount is less than one year<\/strong> of contributions, you can request a cash payout.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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How do I withdraw my vested benefits?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWithdrawal from a vested benefits account is subject to a strictly regulated procedure:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • \n\t\t\t\t\t\t\t\t\t\t1. Fill out a withdrawal request<\/b> provided by your vested benefits institution.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t2. Attach the supporting documents<\/b> (certificate of residence abroad, proof of self-employment, property purchase contract, etc.).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t3. Get your spouse or registered partner to sign<\/b> if you are married or in a registered partnership.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t4. Send it <\/b>to your vested benefits foundation or pension fund.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    What is the tax treatment of withdrawals from vested benefit accounts?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The withdrawn capital is subject to a separate taxation<\/strong> at a reduced rate<\/strong>, which varies depending on the canton of residence or withdrawal. In the event of departure abroad, the canton where the vested benefits foundation is located will apply a withholding tax. It is advisable to compare tax rates before choosing your provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    When can the account be withdrawn at retirement age?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    When you reach statutory retirement age (65 for men, 64 for women), you can apply for vested benefits:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tUp to 5 years before retirement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tUp to 5 years later<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      What happens in the event of death?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      In the event of death, the assets in a vested benefits account are not paid into the estate, but directly to the designated beneficiaries<\/strong> according to the legal order. This mechanism is designed to protect<\/strong> those who were financially dependent on the deceased.<\/p>

      The policyholder may, however, influence this distribution by specifying the shares allocated within the same group, or by \"promoting\" a beneficiary from the second group to the first. On the other hand, he or she may not exclude a person from the scheme completely.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      In Switzerland, withdrawing funds from a vested benefits account is an important step in planning your retirement, or when certain major life events occur. This account, linked to the 2nd pillar, enables you to keep your occupational pension assets when you are no longer affiliated to a pension fund.<\/p>","protected":false},"author":1,"featured_media":2499,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[30],"tags":[59,46,62,38,34],"class_list":["post-2497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance","tag-2e-pilier","tag-2eme-pilier","tag-independant","tag-libre-passage","tag-lpp"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=2497"}],"version-history":[{"count":1,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2497\/revisions"}],"predecessor-version":[{"id":5722,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/2497\/revisions\/5722"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/2499"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=2497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=2497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=2497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}