
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’re taking a break from work, continuing your professional development or starting a new career path, the Tellco vested benefits account allows you to manage your vested benefits capital in a simple and secure manner. Choose from an interest-bearing account solution for stable income or a return-oriented securities investment with growth opportunities – entirely in line with your personal goals.
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 an external page.
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.
Your advantages at a glance

Security and stability
Secure an interest rate of 0.4% with the interest-bearing account solution and allow your credit to grow steadily – for a solid basis for your pension.

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

Free insurance protection
With a securities investment, you’ll receive additional insurance cover that provides for an additional payment in the event of death or disability – for comprehensive financial security.

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%).
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 an external page.
Conditions at a glance
You can find more information in the cost regulations
Conditions at a glance
Interest rate from 1 February 2025
0.4% p.a.
Account management
Free of charge
Account closing
Free of charge
According to the Fees and Charges Policy as of 1 November 2024. Further information about the withholding tax certification and promotion of home ownership can be found in the Fees and Charges Policy.
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 an external page.
Higher return potential thanks to securities investments
Maximise the return potential of your vested benefits account with our wide range of investment options.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 0.4%.
Advantages

Interest rate of 0.4% p.a. without investment risk.

No fluctuations in value.

Flexible for short and longer periods of time.
To be noted

No potential for higher returns.

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

Higher return potential.

Specifically tailored to your investment goals and risk preferences.

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

Value fluctuations and investment risk dependent on the market situation.

Not all solutions are suitable for short-term investments.
Your contacts


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.
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