Vested benefits

Investing retirement assets cost-effectively

You can park your pension assets from the second pillar in a vested benefits account. For example, if you become self-employed or take a career break. At VZ Vested Benefits Foundation, you can invest your vested benefit assets in a cost-effective, tax-optimised manner. You choose the investment strategy that matches your personal risk capacity and level of experience in securities. As VZ doesn't sell its own financial products and only uses investment instruments that perform well in an objective selection process, we only select investments that are in your interests.

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Key questions about vested benefits

  • What does a vested benefits foundation do?

    Irrespective whether you leave a company due to losing your job, taking a career break, pursuing further education or travelling: You will have to leave your previous pension fund and transfer your accumulated pension assets to a vested benefits account.

    A vested benefits account is an account with a vested benefits foundation. The foundation invests your retirement assets and manages them as a pension fund would. The purpose of the vested benefits foundation is to preserve the pension assets accumulated in the area of occupational pension provision.

    Once you start a new job you are legally required to transfer your vested benefits to the pension fund to which your new employer is affiliated. Open an account easily online

  • Which investment strategies can I choose?

    Together with our VZ experts you derive an individually tailored investment strategy. Your needs are thereby the main focus. The selection of investments range from conservative strategies with no equities to a growth-oriented focus with an equity share of 90 percent. Open an account with VZ now

  • What are the advantages at VZ?

    With the VZ Vested Benefits Foundation, you can invest your assets in a tax-efficient way within the scope permitted by law.

    These are the advantages of the VZ Vested Benefits Foundation:

    • Cost savings: primarily ETFs and other cost-effective index funds are used.
    • Flexibility: investors benefit from a wide range of investment strategies. The investment strategy can be adjusted on a weekly basis.
    • Overview: with online access, you can keep an eye on your securities account and adjust your investment strategy at any time. You will receive transparent reporting on a quarterly basis.

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