VIAC vs Finpension Vested Benefits: Best account in 2026?
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(Disclosure: Some of the links below may be affiliate links)
People between jobs in Switzerland transfer their second pillar to a vested benefits account. It is essential to choose the best vested benefits account.
There are many vested benefits account providers in Switzerland. Unfortunately, there are not many great options. So, it is crucial to choose the best account for your needs.
VIAC and Finpension Vested Benefits are currently the best options available for vested benefits accounts. So, we will see which you should choose!
I compare both options in great detail. We will examine their investment models, fees, and security.
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VIAC Vested Benefits
I have talked many times about VIAC on this blog. They are providing a great pillar in Switzerland. And in May 2020, they also started offering vested benefits accounts.
VIAC is a digital provider. You will use the web application to manage your account online. They also have a mobile application to manage your account if you prefer.
Their vested benefits accounts follow the same philosophy as their third pillar account:
- Low Fees
- High allocation into stocks
- Good diversification
If you want more information, read my review of VIAC vested benefits.
Finpension Vested Benefits
Finpension Vested Benefits started in 2017 as a vested benefits account provider. Finpension Vested Benefits is a second pillar foundation. The foundation’s assets are managed by finpension.
Finpension is a digital provider. You will use the web interface to access and manage your account.
Finpension also has a great third pillar account. You can read my review of Finpension 3a to get an idea of everything this provider provides.
If you want more information, read my complete review of Finpension Vested Benefits.
Investment Models
We start by comparing the investment models of VIAC vs Finpension Vested Benefits.
Both VIAC and Finpension have very similar investment models. They will invest your portfolio in index funds. They are both using cheap, well-diversified index funds. They are using funds of the same quality. I would say that their investment philosophies are both very good.
Both invest in index funds instead of ETFs. Pension funds can access better index funds than us because they can waive most of the fees. So, it does not make sense to invest in ETFs for them.
One difference is that finpension lets you choose between UBS, Credit Suisse, and Swisscanto for your funds. With VIAC, you can choose between Credit Suisse and Swisscanto.
VIAC will rebalance your portfolio once a month if necessary. Finpension will rebalance once a week. This is a very slight advantage for Finpension, but in practice, it should not matter much.
In both cases, this is done for free. And there is no reason to change more often. So this is a good point for both companies.
They both have different sets of default strategies. We can take a look at the default strategies of VIAC vs Finpension Vested Benefits:
- VIAC uses names with the number of stocks in it. For instance, Global 80 is a globally diversified fund with 80% stocks (note that Global 100 has 99% stocks). VIAC has three strategies: Global, Switzerland, and Sustainable.
- Finpension Vested Benefits has the same naming. For instance, Finpension Aktien 100 has 99% stocks, while Aktien 80 has 80%. Finpension also has three groups of strategies: Global, Sustainable, and Switzerland.
VIAC’s default strategies are more polished than Finpension’s. However, both allow you to customize your portfolio in detail, which is where we see the limits of both accounts.
It is also important to mention that Finpension has two vested benefits foundations. This allows you to have two accounts with them and save on taxes when you withdraw money!
Here, there are some significant differences between both. They both allow a high level of customization, but their limits are different.
- Finpension allows 99% in the entire vested benefits account. However, VIAC only allows 99% in stocks in the extra-mandatory part of your vested benefits assets.
- VIAC only lets you invest 60% in foreign currencies (non-CHF) instruments. On the other hand, Finpension Vested Benefits have no limit. This means you could invest 99% of your portfolio in U.S. stocks if you wanted to.
- They have different limits per asset class. For instance, you can only invest 10% in gold at VIAC and 20% with Finpension Vested Benefits. Finpension lets you invest up to 50% in real estate, while VIAC only enables you to invest 30%. Overall, Finpension Vested has higher limits. But these asset classes should not make a large portion of your portfolio anyway.
In light of this, Finpension Vested Benefits offers significantly better vested benefits portfolios! You have a better capacity to invest in foreign currency instruments.
VIAC lets you choose between cash and bonds for the part not invested in stocks. If you opt for cash, you could reduce slightly your fees, but you may reduce your returns depending on the current bond interest rates.
VIAC still offers good conditions compared to all the other vested benefits. However, they do not provide a better account when you compare it with Finpension Vested Benefits.
Fees – VIAC vs Finpension Vested Benefits
Fees are the only thing you control when you invest in stocks. So, optimizing fees if you invest in the long term is essential. So, we must compare the fees of VIAC vs Finpension Vested Benefits.
The most important fees for your retirement accounts are the management fees. These are the fees you will pay every year on your invested amount. In the long term, these are significantly more than flat fees. But many people ignore them because they are small numbers.
Finpension Vested Benefits has a fixed fee of 0.49% per year. Some of their funds have extra fees (real estate, for instance), but you can choose not to use them, putting the base fee at precisely 0.49% per year.
VIAC has a base administration fee of 0.52%, which is only due on the invested assets. This fee is also capped at 0.40% for the total portfolio. Then, there are some fees for the funds used in each portfolio.
I will take the Global portfolio as an example since this is the portfolio that would suit most people. It has a fee of 0.41%. Since VIAC is a pension fund company, they do not pay TVA, so this is the complete fee.
On top of that, VIAC has some fees for foreign currency exchanges. For this, they pay a 0.75% fee. However, this is optimized between customers. It seems like it should be about a 0.05% fee per year. So, VIAC has a total fee of 0.46% per year.
So, for management fees, VIAC is slightly cheaper than Finpension Vested Benefits. This is a difference of 0.03% per year. If you have 100’000 CHF in your portfolio, this is a difference of 30 CHF per year. Such a difference is likely negligible for most people.
Both companies have other one-time fees. With VIAC, you will pay 300 CHF if you buy a house with the money in your vested benefits account.
With Finpension Vested Benefits, you have a few more one-time fees:
- 400 CHF if you leave Finpension within one year of joining
- 200 CHF for pledging your portfolio
- 500 CHF for withdrawing the money to buy a house
- 500 CHF for withdrawing money while abroad
- 1500 CHF if you do it within one year of joining
So, Finpension Vested Benefits is more expensive for special operations. But in most cases, people will only pay these fees once or even never for some people.
For some people, there is one extra significant difference between the two offers: the domicile of the foundation. If you are retiring in Switzerland, this will not matter to you. But it is important if you plan to leave Switzerland and withdraw your second pillar. The difference is that when you withdraw money from your second pillar account, you will be taxed based on where your assets are managed. If you withdraw in Switzerland, your tax domicile will be used instead.
VIAC is in Basel, and Finpension Vested Benefits is in Schwytz. And Schwytz is the best canton in Switzerland for that. They have the lowest second pillar withholding tax in Switzerland. If you work many years and have a large second pillar amount, this can account for more than 10’000 CHF saved (with about 300’000 CHF) compared to Basel.
So, if you want to withdraw your money abroad, Finpension Vested Benefits will allow you to save a lot of money on withdrawal taxes! But be careful about the 500 CHF fee for withdrawing abroad. This may not make it useful in the case of a small amount.
Sustainable Investing
More and more people want to invest sustainably. This means they want their money to work on companies that work for a better future and not only for profits. So, we can compare the sustainable options of VIAC vs Finpension Vested Benefits.
Both companies offer ways to invest sustainably. With VIAC, you can choose a Sustainable strategy (Sustainable 100, Sustainable 80, …). You can also create your portfolio and choose sustainable funds. They have some Socially Responsible Investing (SRI) funds and some Environmental Social and Governance (ESG) funds.
With Finpension Vested Benefits, you do not have a default strategy with sustainable options. However, you can also opt for a custom portfolio and choose sustainable funds. They have a few ESG funds, but they have fewer choices of sustainable funds than VIAC.
In both cases, you will pay slightly more fees for these portfolios. Indeed, all sustainable funds are more expensive than their non-sustainable equivalent. This will not make an enormous difference, but it is still relevant to realize this.
You can invest sustainably with both VIAC and Finpension Vested Benefits. They each offer sustainable strategies that can change to using sustainable funds.
Safety of your assets
Over the years, you will have much money in your vested benefits. So, it is essential to know that your assets are safe. So, we should compare the safety of your assets between VIAC vs Finpension Vested Benefits.
In Switzerland, pension accounts are well regulated. They are all under the same law.
Your assets are segregated from the pension foundation for both companies. However, the organization is slightly different.
With VIAC, VIAC is your fund manager. WIR Bank holds your cash assets, and Credit Suisse (or Swisscanto) holds your shares. The foundation in charge of the assets is the WIR Vested Benefits Foundation. If VIAC goes bankrupt, the foundation will find another manager for your assets. If WIR Bank bankrupts, your assets are protected by Swiss law by up to 100’000 CHF in cash. Your shares of funds are held in your name and are safe.
Finpension Vested Benefits is the actual foundation in charge of the assets. finpension is the asset manager. If finpension fails, the foundation will find a new asset manager for your assets. And if the bank holding your assets fails, your shares are in your name, and your cash is insured for up to 100’000 CHF.
With Finpension Vested Benefits and VIAC, your assets are as safe as they can be in Switzerland. They have the same level of safety.
Short-term vested benefits
Sometimes, you need a vested benefits account for the short term. For instance, if you are between jobs. In this case, it does not make sense to invest in the stock market because you will have to sell everything to move back to the pension fund of your new employer.
In this case, you have to be more conservative. If you plan to go back to work in the next few years (ideally less probably), you likely want to keep your vested benefits in cash.
Both of these providers are equal and let you keep your vested benefits account in cash.
Technical Security
We can also compare the technical security of VIAC vs Finpension Vested Benefits.
In both cases, there is very little you can do from the account. Security is slightly less important than a bank account since you cannot withdraw money from the application. However, the application still contains much of your data, and your portfolio could be changed, so you cannot neglect security either.
Both accounts are very similarly protected. First, all the connections are encrypted. Then, they both use second-factor authentication (2FA) on your phone. They will send you an SMS code to confirm your identity. But they are doing it differently:
- Finpension will always ask for your second factor when you log in. Also, Finpension supports proper authenticators instead of only SMS, which can be spoofed.
- VIAC will only request your second factor when you do a major action like modifying your information or portfolio.
Both approaches have pros and cons. However, I prefer writing my second factor every single time. That way, my personal information is protected from someone having my password.
So, Finpension’s security is better than VIAC’s. But this is a slight difference. Both companies have sound security for your money.
Summary – VIAC vs Finpension Vested Benefits
Here is a summary of the main points of VIAC vs Finpension Vested Benefits:
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- Invest 99% in stocks
- Very good investment strategy
- High investment in foreign currency
- Very low management fees
- Great customization
- Best fund domicile for withdrawing abroad
- Cannot invest directly in cash
- Invest 99% in stocks
- Very good investment strategy
- Good for sustainable investing
- Limited to 60% foreign currencies
- Limited customization
- Suboptimal for withdrawing abroad
In most cases, Finpension Vested Benefits offers a better vested benefits account:
- Finpension Vested Benefits lets you invest more in stocks.
- VIAC has slightly lower management fees.
- Finpension Vested Benefits lets you invest more in foreign currency instruments.
- Finpension has two foundations, so you can have two accounts.
- VIAC has low fees for special operations like pledging.
- Finpension Vested Benefits is better if you withdraw money outside Switzerland.
- VIAC is slightly better for sustainable investing.
Finpension Vested Benefits will be a better fit for most people.
Conclusion
Finpension Vested Benefits is the best account in Switzerland.
Use the FEYKV5 code to get 25 CHF in your account!
- Invest 99% in stocks
So, we conclude this comparison of VIAC vs Finpension Vested Benefits. Finpension Vested Benefits is the best vested benefits account available in Switzerland in 2026. They have several advantages over VIAC:
- Finpension Vested Benefits lets you invest more in stocks and foreign stocks, which is great for diversification.
- They have two foundations.
- They have a better tax domicile (if you withdraw from abroad).
VIAC is still a great vested benefits account compared to other alternatives. But compared to Finpension Vested Benefits, it falls short!
If you would like to learn more about Finpension, you can read my interview with finpension’s CEO, Beat Buhlmann. They also offer the best third pillar in Switzerland.
So, that concludes our comparison of VIAC vs Finpension Vested Benefits. If you have any experience with one of them, I would love to hear about it!
More reading
VZ 3a Review 2026 – Pros & Cons
VZ 3a Review. We analyze the VZ VermögensZentrum 3rd Pillar. Is their active management worth the higher fees compared to VIAC or Finpension?
Yuh 3a Review 2026 – Pros & Cons
Yuh 3a. Read our review of the Yuh 3a pillar. We analyze the 0.50% fee, the investment strategy, and how it compares to VIAC and Finpension.
VIAC 3a Review 2026 – Pros & Cons
Read our 2026 review of VIAC, analyze their low fees and investment strategies, and find out if it is the best place for your savings.
Learn easy ways to optimize your finances and save thousands in Switzerland with our exclusive e-book. Learn about the most cost-effective financial services tailored for savvy residents and expats!
Get Your FREE Swiss Money-Saving Guide
Hi Baptiste,
Thanks for another amazing write-up!
I saw in one of your comments following:”And Finpension only lets you use 100% if you have another vested benefits account.”
Can you send me a link to where you saw that? I am self-employed and not with a second-pillar. As my money is in a vested cash account with a bank currently, I can only open one single vested benefits account. Would that mean I can’t invest into Global 100?
Thanks for your help!
Cheers,
M
Hi,
It’s present in multiple of their pages. For instance, here: https://finpension.ch/en/knowledge/vested-benefits-account/
” With finpension, you can invest up to 100 % in equities because other vested benefits can also be taken into account. ” So, you need another vested benefits account at less than 100% stocks to be able to use the 100% stocks on the other.
Yes, this would mean you can only invest up to 80% in stocks.
Hi Baptiste
Great article – wish I had come across it/investigated it years ago!
For short-term vested benefits, you say: “it does not make sense to invest in the stock market because you will have to sell everything to move back to the pension fund of your new employer”. How is this necessarily a disadvantage compared to just keeping it in cash? Obviously the stocks could go down but they could also go up. Is there some sort of brokerage fee I’m overlooking?
Do you know if there is much cost transferring from an index invested VIAC account to an index invested Finpension account?
Also, am I right in thinking when you take the money out at AHV age, that you have to take it all out within 5 of AHV age (i.e. you can’t take 20% in year, 20% in the next year etc)?
I’ve got about CHF 28k in Stiftung Auffangeinrichtung BVG earning basically nothing. On the assumption that I don’t work in Switzerland in the next 12 months and even if the funds didn’t grow at all, it seems I’d better off with Finpension because of the difference in capital withdrawal taxes. Only on quite small balances (by my calculation less than CHF 20,834) would the Finpension’s exit fee for foreign residence exceed the exit tax saved.
Thanks
James
Hi James,
The problem is that the stock market goes up on average, but it also often goes down. If you want to get the average returns, you need multiple years. Over a single year, the risks of a stock market loss is important. Of course, you can take that risk, but over a year (or shorter), this basically gambling.
Transferring has some costs. First, these retirement funds have some load and exit fees. So by transferring, you will pay it on both ends. Other than that, it shoudl be fine. Finpension also has fees if you exit during the first year.
ANd yes you are right that you cannot split your vested benefits account for withdrawing.
It’s likely worth it, yes, but you still need to consider that even bonds can perform negatively over a year.
I talk about the likelihood of asset classes being up or down in this article: What is long-term investing?
Thanks for your reply, Baptiste.
I’ve actually also corresponded with Beat and Peter who run finpension and VIAC, respectively.
According to Peter and not mentioned in the comparison, VIAC offers disability insurance of 25% of invested assets. Not really a critical difference but nice to have than not have.
You wrote: “VIAC only lets you invest 80% in stocks for the mandatory portion of your second pillar. With Finpension, you can invest up to 99% in stocks for both parts of your second pillar.” But on VIAC’s website (https://viac.ch/app/uploads/VIAC-Global-100-CS-FZ-EN.pdf), it says “equity share is nearly 100%” so not sure if your statement is wrong or I’m misunderstanding something.
In my situation where there is the small chance that I might work again in Switzerland within the next year where I understand I’d be forced to transfer everything over to the new employer’s pillar 2 account, it’s probably best to go with VIAC as with finpension you get stung with a CHF 400 transfer fee.
Also in my situation it’s unlikely I’ll retire in Switzerland so the withdrawal tax matters. If my funds didn’t grow at all, I’d be better off with VIAC as I’d save on finpension’s CHF 500 foreign withdrawal fee. However, if more likely my funds grow, the saving on the withholding tax from finpension being based in Schwyz (rather than Basel with VIAC) would likely more than cover finpension’s CHF 500 foreign withdrawal fee.
So to me the best strategy would be to start with VIAC and then transfer to finpension either when it is certain I’ll never work in Switzerland again or as I get closer to the retirement age and about to withdraw the funds.
Hi James,
Yes, the insurance could be a slight benefit, but not enough of a criteria in my opinion.
Indeed, it look like this part needs to be updated to be made clearer. VIAC only lets you use Global 100 in the extra-mandatory part. And Finpension only lets you use 100% if you have another vested benefits account.
If you are going to retire abroad and do not know how long you will keep the vested benefits account, it’s indeed more difficult to choose, you need to make many things into account.
Thanks for this article. I’m struggling to find on VIAC’s website where they only let you invest 80% in stocks for the mandatory portion of one’s pillar 2? I looked everywhere in their FAQ https://viac.ch/en/know-how/faq/vested-benefits/ and can’t find this? Likewise on the limit on foreign currencies (60%)? Is this also true for individually-crafted portfolios? Thanks again!
Hi Ben,
The limit of 80% is well hidden in https://viac.ch/en/products/vested-benefits/strategies/, you need to look at the [1] footnote.
I can’t find a mention of the second one anywhere, I will keep looking. But this is generally a regulation for retirement assets that is interpreted differently by Finpension and VIAC.
Bravo Baptiste, good, clear comparison.
I am looking to park my 2nd pillar in a vested benefits until I find a new job or leave Switzerland and have identified Liberty AG – a vested benefits foundation based in Schwyz as a potential provider.
They seem to offer a similar product to Finpension, with a platform fee of 0.40% – any reason you did not include them in the assessment?
Thanks,
Hi David
Just a comment: If you are looking for a short-term account, these two accounts are not necessarily best. For short-term, you want something free and not invested.
Liberty won’t be great either for the short term. For the long term, I did not research them simply because they are not transparent. They do not share any detail on the portfolios they are using. I do not want to use an opaque service.
Hi.. i have been working in Switzerland as a contract employee between 50 to 100% in different years since 2013, my 2nd pillar doesnt allow me to make voluntary contributions. your current buy-in potential is now already exhausted. What are my options to save tax please.
All contributions, from any other pension fund or individual one into your 2nd pillar have an influence on your buy-in potential.
In your current situation, you have reached the maximum you can have for your 2nd pillar with this pension plan.
Hi Akka,
Unfortunately, if you have no buyback potential, there is not much you can do about your second pillar. It’s still weird that they don’t allow it.
You have your standard 3a of course, but the limit is rather low. You can checkout the list of available tax deductions: Tax Deductions in Switzerland for 2024
I will leave Switzerland this year, to go Thailand, which is non-EU, non-EEA country that has a double tax agreement with Switzerland. I live in Kanton ZH. I am currently employed.
I aim to cash out my Pillar 2 and self-invest it and I wish to reduce my capital withdrawal tax liability (that’s why I am on this page).
Is the below going to work? Is it really this easy?
1. Open a vested benefits (VB) account with VIAC or FinPension _in Schwyz_
2. Instruct my Pensionskasse to transfer my Pillar 2 to the VB account opened in 1. above
3. Close the VB account and transfer the funds to another CHF bank account
4. Wait for the capital withdrawal tax bill
Cheers
Adam
Hi Adam
This does seem reasonable. Just be careful that Finpension has expensive fees for withdrawing money abroad. On the other hand, VIAC is in Basel, not Schwyz, so usually worse than FP.
Also, keep in mind that you have to do the withdrawal while already living abroad, otherwise your canton will the tax location, not the foundation domicile.
Finally, if you have a really large pension fund, you may consider splitting your vested benefits in two accounts and withdraw over two years (Save taxes with staggered withdrawals in 2024)
Hi Baptiste,
thanks a lot for your help and your fantastic blog, I really love and suggest it to all my friends :)
I have 2 questions, hopefully you can help me:
1) it is not clear to me, what’s the difference between a “Vested Benefits Account” and “Vested Benefits Custody Account”?
2) I am a bit concerned about opening a “Finpension Vested Benefits Account” if you are just taking a small break from your job and consider to start working again soon. The 2 reasons are the following: (a) there is a fee of 400 CHF if you leave Finpension within one year of joining, (b) the stocks are very volatile, so if you are forced to sell it when you start the new job, then you can loose a lot of money. In this case It would be probably better to just automatically transfer your 2nd Pillar into the Substitute Occupational Benefit Institution (BVG / LPP). Instead, it would make much more sense to open a “Finpension Vested Benefits Account” if you decide to quit your job forever because you are Financially Independent, or if you decide to be Self-Employed. What do you think about that? In case you agree, would not be better to add this considerations in your post to help also other people?
Thanks a lot for your time, I really appreciate it.
Hi Luca
1) I don’t think it’s a major difference, just two different names for the same thing in my opinion. Or maybe it refers to invested vested benefits or not-invested vested benefits.
2) You are right to be concerned. Finpension is amazing, but only for long-term. If you are going to keep the account for less than a year (or even less than 3 years), Finpension is a bad option. For short-term, what you want is 1) high interest rate and 2) no exit fees. VIAC itself is better than Finpension for short-term because it has higher interest rate and allows you to keep everything in cash.
You are right, I should mention short-term as well. Good idea!
Hi Babtiste,
many thanks for the great information. If you are talking ‘short term’ you mean a short term until the funds have to be taken out and put into the pension fund of a new employer? In my case I would like to ‘park’ my pension funds in two vested benefit accounts after early retirement until I reach the age of 64 for the first one and 65 for the second one to reduce the capital payout taxes. After that I plan to reinvest the money into ETFs with a similar asset allocation (i.e. 80% stocks) as I plan to use in the vested benefit accounts. In my view the risk of a persistent loss is then minimized as long as I follow this strategy even (or especially) if the markets are low at the time of the withdrawal from the vested benefit account. Am I missing something in my line of thought? Thank you for your view!
Hi Early bird
I am talking about the time the money stays in the fund before moving it out. I was talking generally, but you are making a great point. If you are planning to reinvest that money similarly, it makes little difference. You may be out of market for a week, but this should not impact too much. What we want to avoid is having to sell in a downturn and then keeping that money in cash.
Hi Baptiste,
Thank you for the very informative article.
I would love your advice. I just lost my job and need to transfer my Pillar 2 to a vested account. Finpension sounds great but I have the following concern. While I don’t know when I will find a new job, it might be within a year. Do I then have to transfer my Pillar 2 out of Finpension and into my new employer? If yes, did I read correctly that there is quite a bit of penalty for closing the account?
On a related note, I already have a Pillar 3a account with Viac which has been underperforming. I could possibly open a vested benefits account with them temporarily and then move it to the new employer. Would I still get a big penalty?
Any thought and advice would be greatly appreciated.
Hi G,
Finpension is great for keeping vested benefits long term, not so much for short term.
If you are only looking for something in the next 1-2 years, you should choose a free account without any closing penalty and without any investments.
You must indeed transfer your second pillar back to the new company once you start working.
You could move it to VIAC, I don’t think they have a penalty and you can keep it in cash. Just double check that they don’t have a penalty.
Hi Baptiste,
Thank you very much for your reply. I checked with Viac and they don’t have a penalty which is great news. They also provide a nice % on deposits.
One thing that I am still thinking about is the following scenario. Rather than finding a new job, I may want to start my own business or move to another country. In that case, depositing with Viac might not be a good idea as their domicile is Basel Land. Do you know whether I could transfer from Viac to another vested benefits account (domiciled in Schwyz) just before I start my business so I can then withdraw at a tax rate which is much better?
Thank you
Hi G,
If you start your own business, I think it does not matter, it’s your local tax domicile that matters. Only if you withdraw from abroad will it make a difference.
Just a small comment here – you technically are obliged to transfer the money from the vested benefits account to the new employer BUT no one can force you to do it. There is no deadline for this and a new company cannot come to you and say “do it or we fire you” etc. Consult with your lawyer or taxman, but this is what I have heard from some (very) smart people.
It’s correct that it’s rarely (ever) enforced, but I still would not do it. Since we technically obliged to do it, I recommed everybody to do it.
Hi Baptiste,
Great post and blog!
I have just started investing with Viac using the Global 100 Strategy, however I didn’t really know about Finpension before reading this thread (which ironically I just did).
Do you think it would be worth for me to collect my money and switch right away to FP considering I invest everything in stocks? If so, should I pick the Credit Suisse route or the other one?
Best regards,
Andrea
Hi Andrea,
I would not necessarily recommend switching because the differences are not huge.
However, since you can have 5 portfolios, I recommend creating your next portfolio with Finpension 3a and then deciding which you prefer between both after a year of usage.
As for Credit Suisse versus Swisscanto, it’s mostly up to you. I still use Credit Suisse myself because they are cheaper.
Thank you very much for your reply! :)
Hi Baptiste,
Thanks a lot for your great blog and helpful posts! I am now changing jobs after having worked in Switzerland for 5 years to a German company (but still stay living in Switzerland, yes I know it is odd). So I need to open a vested benefits account and I’m wondering if Finpension with stocks is the best choice for me. The thing is, I am not sure what I will do in the future. It might be one of several options:
1. Work in Germany and stay living in CH (as I will do now)
2. Leave CH and go back to the EU country I am from and work there
3. Work in Germany for a couple of years and then find another job in CH again.
The thing is, if indeed I would go for Option 3, I need to pay my vested benefits account into the new employers’ pensions scheme if I understand correctly. Therefore, I am wondering if, in that case, Finpension with stocks is still a good choice for me, or if I should rather put my money into something ‘safer’. Curious what is your opinion!
Cheers,
George
Hi George,
That’s a great question. For cases 1 and 2, I think Finpension is great since you can leave the money for a long time invested.
But I agree that for 3), it’s not great. In that case, any vested benefits would be okay (maybe VIAC since they have cash).
You could also use Finpension Vested Benefits with more bonds. But it depends if you trust bonds or not.