You’re planning to go abroad for an extended period or want to spend more time with the family. You’re about to become self-employed and don’t want your vested benefits paid out. Maybe your new employer’s pension fund does not allow you to bring in all of your current vested benefits assets, or you wish to have your assets from another vested benefits account transferred to Generali. Or maybe you have just received a payment from an occupational pension scheme following a divorce. Wherever you are in your life right now, there are many reasons why Generali’s vested benefits policy is the ideal way to invest your pension fund assets.

You can withdraw your funds at any time within the scope of the instances provided for by law: You can use them to fund or secure the purchase of a new home, or withdraw them if you decide to become self-employed. You can take them with you if you leave Switzerland for good – the non-mandatory portion if you’re off to a member country of the European Union or the EFTA (with the exception of Liechtenstein) and all of it if you’re going further afield. And if anything should happen to you, your nearest and dearest will immediately receive 101% of the accumulated funds.

Survival benefit: In the event of survival (e.g. upon reaching statutory retirement age), you will receive the single premium payment plus interest.

Death benefit: In the event of death, the rightful claimants will receive 101% of the single premium payment plus interest.

Policy opening and management is free. If held for a minimum of one year, liquidation is also free. If held for less than a year, or if an early withdrawal is made for the purchase of a home, please refer to the fee regulations. Pledging is free.

You can cancel the vested benefits policy five years before and up to five years after reaching statutory retirement age. This means the policy will give you a great deal of flexibility when it comes to planning your retirement. Please note that you will need to be required to pay into your AHV pension as part of your work in order to qualify for liquidating your policy after reaching statutory AHV retirement age. 

You can pledge or withdraw your capital at any time within the context of the Ordinance on the Promotion of Home Ownership using Occupational Pension Benefits.