�۶���Ƶ

Your retirement savings are exempt from wealth tax for the duration of the term. The interest earned is tax-exempt until withdrawal.

When your retirement savings are paid out, they will be taxed separately from other income at a reduced rate.

If you move into the house or apartment yourself, you can use the savings in your vested benefits account for the financing. Early withdrawal is possible every five years and without a minimum requirement. The withdrawn amount can be paid back into pillar 2 at any time. Alternatively, it is also possible to pledge the funds.

The savings can then be used for building, buying or renovating real estate as well as for some forms of participation (e.g. housing cooperatives, tenant public limited companies). You can also use it to amortize mortgage loans.

Good to know: The financing of vacation houses, vacation apartments or secondary residences with savings from pillar 2 is not allowed.

The �۶���Ƶ Vested Benefits Custody Account is the ideal complement to the vested benefits account. By investing your pension fund money in Vitainvest investment funds, you benefit from higher earnings potential in the long run. With the detailed annual wealth disclosure, you can keep an overview over your retirement savings.

Free choice between different Vitainvest investment funds
Your fund shares will be kept safe in the vested benefits custody account. You are free to decide how much you want to invest in one or several of the eleven Vitainvest investment funds. With an investment plan �۶���Ƶ Vested Benefits Account, you can regularly invest a fixed amount from your �۶���Ƶ Vested Benefits Account in �۶���Ƶ Vitainvest Investment Funds.

Good to know: Fund shares in pillar 2 normally have to be sold as soon as you’ve reached AHV retirement age. This is not the case with Vitainvest investment funds. You can transfer these into your free assets when you retire. This way you remain flexible in terms of when to sell the shares later.