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Recover your second pillar (BVG) and get back what's yours !
🕓 When Should You Start a Search ?
You should start a search immediately if :
You’re unemployed
During periods of unemployment, it is essential to manage your vested benefits carefully. A strategic allocation of your savings helps maintain financial stability and reduce costs. Smart planning ensures a smoother transition to your next opportunity.
You took a sabbatical
Taking a sabbatical requires smart financial planning to protect your benefits. Good preparation helps you enjoy your break with peace of mind and without financial stress.
You want to plan your retirement
A good retirement plan starts with a clear view of your savings. Understanding your Swiss pension (BVG) early helps you choose the best partner to grow your retirement funds.
You changed employers
If you changed jobs in Switzerland, your pension savings (BVG) were likely transferred to your new employer’s pension fund. However, if there was a gap of several months, your savings may have been placed in a vested benefits account, which often offers poor returns and limited flexibility. It’s important to review these funds and explore better options for growing your retirement savings.
You left Switzerland
If you left your job and moved out of Switzerland, your pension savings (BVG) must also leave your employer’s pension fund. These savings can either be withdrawn (under certain conditions) or transferred to a Swiss bank account with better terms.
You want to plan your estate
Good estate planning starts with a clear view of your assets, including your Swiss pension (BVG). Taking action early helps you choose the right banking partner and makes things easier for your loved ones later on.
“Almost 5.6 billion francs in unclaimed second pillar assets (BVG).”
Your pension assets
How to recover your 2nd pillar (BVG) or vested benefits assets?
By completing our free and non-binding request form, your search will be sent to the 2nd Pillar (BVG) Central Office.
In what ways could I have lost track of my assets?
When an employee leaves their job, the pension fund sends a form asking where to transfer their pension savings.
If the employee does not return the form on time, the funds are automatically sent to the Substitute Occupational Benefit Institution where returns are low and flexibility is limit.
THE STAKES
The stakes of vested benefits & the 2nd pillar in Switzerland
Each year, 830,000 people change employers, increasing the risk of losing track of their 2nd pillar.
55 billion
Total vested benefit assets in Switzerland
Source : Le Temps
16 billion
Earning a return of just 0.20% with the Substitute Occupational Benefit Institution
Source: Helvetic Institution
1’344’676
Accounts held with the Substitute Occupational Benefit Institution
Source: Substitute Occupational Benefit Institution
31%
Of Swiss residents aged 25 to 65 have a vested benefit account
Source: Swiss Labour Force Survey
REVIEWS
Over 30,000 clients have recovered their pillar 2 thanks to Pilah
Tens of thousands of users have successfully located lost pension assets and are highly satisfied with the solutions we provide. We’ve received hundreds of positive testimonials that reflect the quality, efficiency, and professionalism of our services.
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