No, this is not possible. One of the reasons for this is that the Vested Benefits Foundation can invest in special and extremely favourable index fund tranches. These cannot be invested by private individuals. As a result, you benefit from much lower fees during the savings period. If you want to invest in index investments after your retirement, it is advisable to compare the costs of the providers here: www.justetf.com.
Yes, this is possible at any time subject to notice. However, we do not transfer any securities; the transfer is always carried out as a bank transfer in CHF.
No, this is not possible. If a withdrawal is made, the entire account is paid out in a single payment. An annuity is not offered.
Early withdrawals are possible, among other things, for purchases of owner-occupied residential property, for value-increasing investments or repayment of the mortgage on owner-occupied residential property. Those who set up their own business or emigrate from Switzerland can also withdraw the money. Under certain conditions, disability may also entitle the holder to claim the vested benefits early.
No. Vested benefits must be withdrawn no later than 5 years after reaching AHV retirement age.
Normally, the money cannot be drawn until at least 5 years before reaching the normal AHV age. This is currently the case with women at 59 and men at 60 years of age.
No. Any securities will be sold at the next rebalancing date within a maximum of 31 days. The payout will then be made with a processing time of 5 working days. If your assets are already in cash, the payout may be faster.
Under Settings / Vested benefits, you can initiate the closing process yourself. All securities will then be sold on the next possible date (always the first trading day of the month).
At the same time, you will receive a closing order by e-mail. As soon as the closing order has been signed and returned to the Vested Benefits Foundation of WIR Bank, your vested benefits account will be closed. The transfer is made after the sale of your securities on the rebalancing day. In addition, a withdrawal statement will be sent to your new vested benefits foundation or pension fund.