Vested benefits account

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.

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 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%).

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.

Open account

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.

Free insurance protection

We offer you free insurance coverage that takes effect in the event of both death and disability – exclusively for all clients who invest in securities.

With us, you not only build your pension provision efficiently but also receive substantial cover. This comprehensive protection offers you and your family security in case of unforeseen events.

Find out more

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

Open account

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The vested benefits account that adapts to your goals

When do you need a vested benefits account?

Time out

Change of job

Emigrate

Early retirement

Self-employment

Divorce

Your advantages at a glance

Security and stability

Flexibly adjustable strategy

Free insurance protection

Attractive conditions for expats and emigrants

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

Invest your pension assets profitably

Higher return potential thanks to securities investments