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VESTED BENEFITS ACCOUNT

WHEN PLANS CHANGE.

INVEST IN FUNDS

BENEFIT FROM OPPORTUNITIES FOR HIGHER RETURNS.

If you invest some or all of your retirement savings in a retirement fund, you can benefit from opportunities for higher returns. You decide how much of your capital you want to invest. There is no need to worry about selecting individual stocks.

Get started with an initial investment of as little as CHF 1,000 and flexible follow-up investments from CHF 500, putting you on the right track for a bright future. Buying fund units in stages means you benefit over the long term from low average prices. This lets you get more out of the capital you have paid in, so you can provide for your retirement efficiently.

Sample calculation

If you have a medium to long-term time horizon, it is worth investing some or all of this capital in retirement funds.

Buying fund units in stages
Vested benefits capital CHF 300,000
Initial investment: CHF 10,000
Follow-up investments: CHF 10,000 per year

Vested benefits capital on maturity with account solution: CHF 313,000
Vested benefits capital on maturity with equity strategy: CHF 800,000
Difference CHF 487,000

Basis for sample calculations and references:
- Vested benefits account: current Bank CIC interest rate 0.15% p.a.
- Retirement fund in the Conservative investment strategy: expected annual return 1%
- Retirement fund in the Balanced investment strategy: expected annual return 3%
- Retirement fund in the Dynamic investment strategy: expected annual return 4%
- Retirement fund in the Equities investment strategy: expected annual return 6%

Expected returns are based on the past performance of the different investment strategies. Past performance is not a reliable indicator of future results. These assumptions are based on gross figures before fees and taxes.

 

Retirement funds by theme

With retirement savings offering of Bank CIC, you can invest in areas that are important to you. Here you will find the individual retirement funds which invest in areas such as sustainability, real estate or commodities. A retirement fund can include several themes.

If you invest in retirement funds with a high real estate weighting, you also participate in the developments on the real estate market. In the current low-interest phase, the real estate market has become more attractive compared to investments in bonds.

The maximum real estate weighting is 30% (due to the legal provisions of BVV2). 

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes Real estate weighting
Credit Suisse
Mixta-BVG Basic I
1503660 0% Conservative Real estate 28%
Swisscanto
BVG 3 Responsible Portfolio 10 RT
23805195 10% Conservative Real estate 21%
Swisscanto
BVG 3 Responsible Portfolio 25 RT
23805270 26% Balanced Real estate 19%
Bâloise
BVG-Mix 25 Plus R
12424966 25% Balanced Real estate & commodities 18%
Swisscanto
BVG 3 Responsible Portfolio 45 RT
23805297 45% Dynamic Real estate 19%
Swiss Life
BVG - Mix 15
1564965 15% Conservative Real estate & commodities 21%
Baloise
BVG-Mix Dynamic Allocation 0-40
34387912 0-40% Balanced Real estate 20%
Bâloise
BVG-Mix 40 Plus R
12424973 40% Dynamic Real estate & commodities 18%
J.Safra Sarasin
BVG-Wachstum Tranche A
287401 35% Balanced Real estate 17%
Swiss Life
BVG - Mix 25
1245601 25% Balanced Real estate & commodities 17%
Credit Suisse
Mixta-BVG I
2733319 35% Balanced Real estate 16%
J.Safra Sarasin
BVG-Zukunft Tranche A
2455731 45% Dynamic Real estate 16%
Bâloise
BVG-Mix 15 Plus R
12424959 15% Conservative Real estate & commodities 19%
J.Safra Sarasin
BVG-Ertrag Tranche A
2455689 15% Conservative Real estate 16%
J.Safra Sarasin
BVG-Rendite Tranche A
1016859 25% Balanced Real estate 15%
Baloise
BVG-Mix Dynamic Allocotation 0-80
43200504 0-80% Dynamic Real estate 14%
Swiss Life
BVG - Mix 35
1245606 35% Balanced Real estate & commodities 14%
J.Safra Sarasin
BVG-Nachhaltigkeit Tranche A
1016862 38% Balanced Real estate & sustainability 13%
J.Safra Sarasin
BVG-Nachhaltigkeit Rendite Tranche A
3543791 25% Balanced Real estate & sustainability 11%
UBS
AST BVG-25 Aktiv Plus I-A1
11763766 25% Balanced Real estate & commodities 10%
Swiss Life
BVG - Mix 45
1245607 45% Dynamic Real estate & commodities 12%
UBS (CH)
Vitainvest - 75 World Sustainable U
29317460 75% Equities Real estate & sustainability 11%
UBS (CH)
Vitainvest - 75 Swiss Sustainable U
29317503 75% Equities Real estate & sustainability 10%
UBS
AST BVG-40 Aktiv Plus I-A1
11763867 40% Dynamic Real estate & commodities 9%
Credit Suisse
Mixta-BVG Index 45 I
11269573 45% Dynamic Real estate 5%
Credit Suisse
Mixta-BVG Index 75
38261472 75% Equities Real estate 5%
Swisscanto (CH)
Vorsorge Fonds 75 Passiv VT
35369090 75% Equities Real estate & commodities 5%
Swisscanto
BVG 3 Responsible Dynamic 0-50 RT
23804622 0-50% Dynamic Real estate 4%
Swiss Life
BVG - Mix 75
43583002 75% Equities Real estate & commodities 5%
Swisscanto (CH)
IPF III Vorsorge Fonds 95 Passiv VT
51196142 95% Equities Real estate & commodities 2%

For the sustainability theme, you have the opportunity to invest your retirement assets in line with ecological and social aspects. A sustainability fund invests exclusively in companies that operate sustainably. 

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes
J.Safra Sarasin
BVG-Nachhaltigkeit Rendite Tranche A
3543791 25% Balanced Sustainability & real estate
J.Safra Sarasin
BVG-Nachhaltigkeit Tranche A
1016862 38% Balanced Sustainability & real estate
Swisscanto
BVG 3 Sustainable Portfolio 45 RT
23804772 45% Dynamic Sustainability
UBS (CH)
Vitainvest - 75 World Sustainable U
29317460 75% Equities Sustainability & real estate
UBS (CH)
Vitainvest - 75 Swiss Sustainable U
29317503 75% Equities Sustainability & real estate
UBS (CH)
Vitainvest - 100 World Sustainable U
41329230 95% Equities Sustainability

If you invest in retirement funds with a high weighting in commodities, you also participate in the developments on the commodities market. Commodities such as gold, silver or copper, serve to diversify your investments away from the traditional equity and bond asset classes.

The maximum weighting of alternative investments, which include commodities, is 15% (due to the legal provisions of BVV2).

Investment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy Themes Commodities weighting
UBS
AST BVG-25 Aktiv Plus I-A1
11763766 25% Balanced Commodities & real estate 8%
UBS
AST BVG-40 Aktiv Plus I-A1
11763867 40% Dynamic Commodities & real estate 8%
Swisscanto (CH)
Vorsorge Fonds 75 Passiv VT
35369090 75% Equities Commodities & real estate 7%
Bâloise
BVG-Mix 15 Plus R
12424959 15% Conservative Commodities & real estate 1%
Swiss Life
BVG - Mix 15
1564965 15% Conservative Commodities & real estate 2%
Bâloise
BVG-Mix 25 Plus R
12424966 25% Balanced Commodities & real estate 2%
Swiss Life
BVG - Mix 25
1245601 25% Balanced Commodities & real estate 2%
Swiss Life
BVG - Mix 35
1245606 35% Balanced Commodities & real estate 2%
Bâloise
BVG-Mix 40 Plus R
12424973 40% Dynamic Commodities & real estate 2%
Swiss Life
BVG - Mix 45
1245607 45% Dynamic Commodities & real estate 2%
Swiss Life
BVG - Mix 75
43583002 75% Equities Commodities & real estate 2%
Swisscanto (CH)
IPF III Vorsorge Fonds 95 Passiv VT
51196142 95% Equities Commodities & real estate 2%

Retirement fund by provider

Here you will find a complete selection of retirement funds sorted by provider.

Investment product

Securities no.

% equities

Investment strategy

BVG-Mix 15 Plus R 12424959 15% Conservative
BVG-Mix 25 Plus R 12424966 25% Balanced
BVG-Mix Dyn. Allocation 0-40 34387912 0-40% Balanced
BVG-Mix Dyn. Allocation 0-80 43200504 0-80% Dynamic
BVG-Mix 40 Plus R 12424973 40% Dynamic

Investment product

Securities no.

% equities

Investment strategy

Mixta-BVG Basic I 1503660 0% Conservative
Mixta-BVG I 2733319 35% Balanced
Mixta-BVG Index 45 I 11269573 45% Dynamic
Mixta-BVG Index 75 38261472 75% Equities

Investment product

Securities no.

% equities

Investment strategy

BVG-Ertrag A 2455689 15% Conservative
BVG-Rendite A 1016859 25% Balanced
BVG-Nachhaltigkeit Rendite A 3543791 25% Balanced
BVG-Wachstum A 287401 35% Balanced
BVG-Nachhaltigkeit A 1016862 38% Balanced
BVG-Zukunft A 2455731 45% Dynamic
BVG-Aktien 80 A 44120031 80% Equities

Investment product

Securities no.

% equities

Investment strategy

BVG 3 Portfolio 10 RT 23805195 10% Conservative
BVG 3 Portfolio 25 RT 23805270 26% Balanced
BVG 3 Portfolio 45 RT 23805297 45% Dynamic
BVG 3 Sustainable Portfolio 45 RT 23804772 45% Dynamic
BVG 3 Index 45 RT 23804645 45% Dynamic
BVG 3 Dynamic 0-50 RT 23804622 0-50% Dynamic
Swisscanto (CH) Vorsorge Fonds 75 Passiv – VT 35369090 75% Equities
Swisscanto (CH) Vorsorge Fonds 95 Passiv – VT 51196142 95% Equities
In­vest­ment product Se­cur­it­ies no. % equit­ies In­vest­ment strategy
BVG - Mix 15 1564965 15% Conservative
BVG - Mix 25 1245601 25% Balanced
BVG - Mix 35 1245606 35% Balanced
BVG - Mix 45 1245607 45% Dynamic
BVG - Mix 75 43583002 75% Equities

Investment product

Securities no.

% equities

Investment strategy

BVG-25 Aktiv Plus I-A1 11763766 25% Balanced
BVG-25 Indexiert (hedged in CHF) I-A1 11764415 25% Balanced
BVG-40 Aktiv Plus I-A1 11763867 40% Dynamic
BVG-40 Indexiert (hedged in CHF) I-A1 27400346 40% Dynamic
UBS Vitainvest Passive 75 Sustainable Q (new) 111013414 75% Equities
UBS Vitainvest Passive 100 Sustainable Q (new) 111013415 95% Equities

 

VESTED BENEFITS ACCOUNT

OPEN AN ACCOUNT NOW.

Would you like to open an account and buy funds directly in eLounge as soon as your retirement savings have been paid in? The pension agreement and the transfer form make it really easy for you to arrange for your existing vested benefits capital to be transferred from your previous pension institution to Bank CIC.

All terms and conditions for the retirement solution can be found here.

WITHDRAWAL AND EARLY PENSION RELEASE

The law permits you to withdraw your vested benefits as follows:

  • No sooner than five years before and no later than 5 years after reaching the normal retirement age
  • For residential property for your own use
  • When becoming self-employed in your main job
  • When leaving Switzerland permanently
  • When drawing a full disability pension