Vested benefits policy

Planning to take time off work? Whether to travel the world or to spend time with family, depositing your pension fund assets for a long period is easy with a vested benefits policy. This way, you can rest assured that your future is in good hands.

Benefits
	Interest rate guaranteed until end of year
	Very high level of security
	Can be withdrawn early and pledged
	Transparent costs

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Vested benefits policy in brief

A vested benefits policy is the perfect solution if you want to deposit your pension fund assets for an extended period of time. This could be because you are planning to spend time abroad or take a sabbatical from work, or to set up your own business but don’t need these funds to do so. All you need to do is pay all of your pension fund assets – i.e. a minimum of CHF 20,000 maximum of CHF 500,000 – into your policy account. We will then invest and pay interest on it. You will be able to draw on your capital in all of the cases provided for by law at any time. This means you could use it to fund or secure the purchase of a new home. And, should anything happen to you, we will pay your surviving dependants 101% of the capital you invested.

Investing your pension fund assets safely.

Interest rate of 0.4% – guaranteed until the end of 2024
Early withdrawal and pledging for owner-occupied property
Flexible pension planning
Liquidise from 5 years before/after statutory retirement age

Unterstützung, bevor es zum Rechtsfall kommt.

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Questions and answers

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.

Our expert advisors will help you to find the perfect insurance coverage in every phase of life. If you have a specific question about an insurance policy, we will answer it quickly and expertly.

If you would like a better understanding of your overall situation, we will work with you to analyse your needs and goals. We will recommend the right solutions for your insurance coverage and your financial security.

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