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TELLCO PRIVATE PENSIONS

Vested benefits account

The flexible solution for your vested benefits capital

The vested benefits account that adapts to your goals

Whether you are changing jobs, taking a career break, becoming self-employed or staying abroad: with Tellco’s vested benefits solution, you can manage your pension assets simply and digitally in line with your personal situation, and decide for yourself whether you want to save securely or invest for the long term. Benefit from one of the largest investment universes on the Swiss market, offering you a wide range of investment opportunities.

With the new Tellco Vorsento platform, you can keep track of your vested benefits at all times – simply, flexibly and directly online.

Open account

By clicking on "Open account", you agree to the data privacy statement of Tellco Vested Benefits Foundation and confirm the legal notices. You will be redirected to Tellco Vorsento.

Your advantages at a glance

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Simple digital management

With Tellco Vorsento, you can keep track of your vested benefits at all times: view your balance and investments online, make deposits, flexibly adjust your strategies and access documents digitally. The mobile app will be available from Q3 2026.
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Attractive conditions for expats and emigrants

The Tellco Vested Benefits Foundation, which is based in the tax-friendly canton of Schwyz, offers expatriates one of the lowest withholding tax rates in Switzerland (max. 4.8%).
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Flexibly adjustable strategy

Choose a securities investment that is an optimal fit your investment horizon and return objectives – for the greatest possible asset growth.
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Security and stability

Secure an interest rate of [[ interest_rate_fzs ]]% with the interest-bearing account solution and allow your credit to grow steadily – for a solid basis for your pension.
Tellco Vorsento - Start - EN

Account opening

Open your vested benefits account directly online – in just a few steps and without paperwork.

Open account

By clicking on "Open account", you agree to the data privacy statement of Tellco Vested Benefits Foundation and confirm the legal notices. You will be redirected to Tellco Vorsento.

When do you need a vested benefits account?

Time out

If you spend a prolonged period abroad, take a sabbatical or parental leave or continue your professional development.

Change of job

If you change career or jobs with an interruption of more than six months, as well as if you become unemployed.

Emigrate

If you move abroad, you can invest your capital in a vested benefits account or benefit from attractive tax advantages in the canton of Schwyz.

Early retirement

If you decide to leave the workforce before the standard retirement age.

Self-employment

If you stop working in an employment relationship and take up self-employment.

Divorce

If you and your spouse divorce – depending on the situation, you will need a vested benefits solution.

Calculate withholding tax when emigrating

Are you planning to emigrate and withdraw pension assets from Switzerland? Calculate the applicable withholding tax – depending on the canton of your pension foundation.
Calculate now

Conditions at a glance

 

[[ interest_rate_fzs ]]% Interest rate p.a.
Free Account management
Free Account closing

You can find more information in the cost regulations
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Invest your pension assets profitably

Are you changing employers or taking a break? Your pension assets can remain in your previous employer's pension fund for up to six months. After that, you’ll need a vested benefits solution to be able to invest your assets profitably.

By clicking on "Open account", you agree to the data privacy statement of Tellco Vested Benefits Foundation and confirm the legal notices. You will be redirected to Tellco Vorsento.
Open account

Higher return potential thanks to securities investments

Maximise the return potential of your vested benefits account with our wide range of investment options.
Find out more
Arrange consultation

Vested benefits account

Interest-bearing account or securities investment – which solution works best for you?

A new stage of life offers the opportunity to optimise your vested benefits in a targeted manner for your future. Whether you prefer stability or choose return opportunities, you can find the right solution for your needs when choosing an interest-bearing account and a securities investment.

Option 1: Interest-bearing account – stable and secure

With the interest-bearing account solution, you opt for a reliable form of investment without any fluctuations in value. Your entire capital remains secure and is invested at an attractive preferential interest rate of [[ interest_rate_fzs ]]%.

Advantages

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Interest rate of [[ interest_rate_fzs ]]% p.a. without investment risk.

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No fluctuations in value.

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Flexible for short and longer periods of time.

To be noted

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No potential for higher returns.

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Interest rates remain constant irrespective of market developments.

Option 2: Securities investment – opportunity for greater returns

For investors looking for return opportunities and willing to accept fluctuations: At Tellco, you can find a range of tailored securities solutions. Adapt your investment to your goals and investment horizon.

Advantages

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Higher return potential.

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Specifically tailored to your investment goals and risk preferences.

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Suitable for short-term and long-term growth strategies.

Please note

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Value fluctuations and investment risk dependent on the market situation.

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Not all solutions are suitable for short-term investments.

Your contacts

Tellco Bank AG - Michael Frei-Otero - Head of 3a Pensions & Vested Benefits
Michael Frei-Otero Head of 3a Pensions & Vested Benefits
Tellco Bank AG - Sandra Gomes - Client Advisor of 3a Pensions & Vested Benefits
Sandra Gomes Client Advisor of 3a Pensions & Vested Benefits
Merlinda Maliqi
Merlinda Maliqi Junior Client Advisor of 3a Pensions & Vested Benefits

Contact or callback

Do you have any questions, or would you like to schedule a no-obligation consultation? Our specialists will be happy to help you.
Contact us

For employers: Free consultation for your employees

The Tellco Vested Benefits Foundation offers employers the opportunity to offer their employees a free, comprehensive consultation on all matters relating to vested benefits and early withdrawal options. This is especially valuable for expats who will be returning home after their time in Switzerland. We will be happy to advise your employees personally in order to prepare them for this transition in the best possible way.

Get in touch with us for an individual consultation.

Contact us

Are you looking for pension fund assets?

If you are looking for previous retirement assets, you can search here.
Find out more

Open your vested benefits account simply and securely now!

By clicking on "Open account", you agree to the data privacy statement of Tellco Vested Benefits Foundation and confirm the legal notices. You will be redirected to Tellco Vorsento.
Open account

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