Our FAQs
Vested benefits are the pension assets accumulated in a pension fund (2nd pillar) that the insured retains when they leave their job without immediately joining a new pension fund.
This capital consists of entry vested benefits transferred from previous pension funds, employee and employer contributions, any purchases made, and interest accrued over time. It remains allocated to retirement provision and can only be withdrawn at retirement age or in certain cases of early withdrawal provided by law.
When leaving a pension fund, if no new affiliation is immediate, the assets must be transferred to a vested benefits institution. This is precisely the mission of the Vested Benefits UP foundation: to receive, manage and grow these assets in complete security until the next affiliation or until retirement.
Vested Benefits UP is intended for anyone in a professional or personal transition:
- change of job without immediate new affiliation,
- parental leave, career break, expatriation,
- unemployment or dismissal,
- transition to self-employment,
- continuing education or retraining,
- divorce or contract termination close to retirement.
Thanks to a hybrid and digital solution, the insured can manage their assets seamlessly, securely, and easily.
The Vested Benefits UP foundation combines the strengths of two Swiss leaders: FCT and Trianon SA. It offers:
- independent governance with no conflicts of interest,
- a competitive all-in fee (0.34% to 0.50%),
- a choice of 17 investment profiles,
- an intuitive digital platform,
- personalized human-centered support,
- and 100% Swiss management that is transparent and secure.
The Vested Benefits UP foundation applies a clear all-in fee of between 0.34% and 0.50% per year, including:
- foundation management fees (0.30%),
- external bank charges (0.05% to 0.10%),
- internal fund fees (TER up to 0.15%).
There are no entry fees, exit fees, exchange margins or withholding taxes.
The costs are clearly displayed when you choose your strategy.
The Foundation offers 17 investment profiles divided into three categories:
- Global Strategies (0% to 75% equities),
- Sustainable Strategies (15% to 75% equities, with ESG criteria),
- Index Strategies (25% to 80% equities, based on Pictet LPP indices).
The approach is based on an open architecture, combining index funds (core) and active investments (satellite).
Assets are held securely with leading Swiss banks.
Yes. Sustainability is an integral part of the Foundation's investment approach.
In addition to the ESG criteria integrated into all strategies, the Sustainable range offers six dedicated profiles with sustainable labels, selected from responsible asset managers.
These options allow the insured to balance returns and impact.
Insureds can change their strategy at any time via their secure online account.
Orders are executed weekly, according to a transparent schedule, at no extra cost.
The dynamic rebalancing system and netting between insureds optimize costs and smoothly adjusts the portfolio.
Yes. In addition to the digital interface, the Foundation offers interactive profiling (questionnaire) to define the investment profile and investment horizon.
Specialized advisors are available to assist the insured in choosing a strategy, analyzing their portfolio, or with any administrative procedures.
Upon retirement, the vested benefits can be withdrawn in form of a lump sum starting up to five years before reaching the statutory retirement age, or maintained for up to five years thereafter. In the event of death, the vested benefits are paid in the form of a lump sum to the legal beneficiaries (spouse, registered partner, children).