PensFree vested benefits foundation

Are you planning an extended stay abroad, further training or a career break after many years of working? We enable you to structure your pension provision according to your requirements.

Why PensFree?

PensFree is the independent vested benefits institution with the largest selection of investment solutions. In addition, PensFree works together with various banks, investment foundations and fund providers, which gives you a free choice of banking partners.

Tax haven PensFree

Vested benefits are tax-exempt until they are withdrawn. This allows you to benefit to the maximum from PensFree. Exploit our many years of experience and benefit from tax-exempt interest and dividend earnings, attractive source tax when permanently leaving Switzerland and the lack of wealth tax.

Personalised investment

PensFree offers you numerous mixed strategy profiles from investment foundations and investment funds depending on your personal risk capacity and risk appetite. You benefit from institutional rates for all your investment solutions. This brings tangible cost advantages, thus adding value to your assets.

Withdrawing pension assets

There are some important points to bear in mind when withdrawing pension assets. Take planning into your hands at an early stage. 

Tax advantages when withdrawing capital

With PensExpert, you benefit from tax advantages when withdrawing your pension assets. Do you want to know how high the capital tax will be when you withdraw your pension assets? Or are you planning to move abroad and want to calculate your expected withholding tax? Our two online calculators will help you with that.

Tax savings when moving abroad

If you are definitively leaving Switzerland and want to have your pension assets paid out, the one-off tax payment is not based on your last place of residence. The applicable tax rate is that of the canton where the vested benefits institution is based.

«I really appreciated PensExpert's guidance, punctuality and good mood! I know that I can rely on the advisors for any questions.»
Christian Etique
Client PensFree

Investment advantages

You are free to choose your banking partner and investment strategy at advantageous fund fees.

Flexible capital withdrawal

You are free to choose when to withdraw your assets from five years before the AHV retirement age. Let us advise you.

Low tax at source rate

Bags packed? Check. Passport? Check. Pension provision? Benefit from the attractive tax rates of Canton Schwyz, where the foundation is headquartered.
PensExpert-Meeting

Splitting

It is worth transferring your pension assets to two different vested benefits institutions when leaving the pension fund. Why? Your retirement capital may not be paid out in tranches from a vested benefits institution. We can arrange a split for you through our vested benefit foundations PensFree and Independent.

The PensFree vested benefits foundation is ideal for anyone

  • exiting their pension fund, whether permanently or temporarily

  • carefully planning early retirement

  • moving abroad or returning to their home country

  • with surplus capacity prior to joining a new pension fund

  • starting self-employment


A brief overview

Year of foundation

2001

Foundation headquarter

Schwyz

Foundation board

Marcus Waldispühl, Meggen (Chairman)
Dionys Berwert, Meggen
Mark Huber, Galgenen
Ivan Brot, Wangen (SZ)

Management and Consulting

PensExpert AG

Auditor

Convisa Revisions AG, Schwyz

Supervision

Zentralschweizer BVG- und Stiftungsaufsicht (ZBSA)

PensExpert-Luzern-Arta-Cekaj
Arta Lulaj
Head Digital Strategy

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