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Retirement

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With the termination of your employment relationship, your pension relationship with TRANSPARENTA also ends.

Your employer wants to notify you of your resignation. We will then contact you to arrange the transfer of the withdrawal benefit with you.

If we do not have any transfer details 6 months after your departure, we will transfer your withdrawal benefit in accordance with legal provisions (Art. 4 FZG) to the BVG Foundation (www.aeis.ch). If the exit benefit is less than your own annual pension fund contribution, you can apply for a cash payment.

In general, a distinction is made between the following cases:

Withdrawal as a result of job change

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‍When you start your new job or at the latest one month after the retirement contract has ended, your occupational pension coverage with TRANSPARENTA expires.

When you change jobs, you join the new employer's pension fund, provided that you meet their admission requirements. In this case, use the “Use of Withdrawal Benefit” form to provide us with the payment address of your new pension fund.

Leaving without a new job

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Your occupational pension coverage with TRANSPARENTA expires no later than one month after the retirement contract has ended.

If you do not take up a new job after that, you can voluntarily insure yourself with the free movement facility of a bank or life insurance company in the event of disability or death. Alternatively, you can continue your retirement planning at the BVG reception facility. You can find out more about this at www.aeis.ch.

If the employment relationship has been terminated by the employer and you have reached the age of 58, there is the option of voluntary continued insurance with TRANSPARENTA in accordance with Art. 47a BVG. You can find more information here.

Withdrawal as a result of self-employment

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‍If you take up self-employment in your main job, you are no longer subject to compulsory occupational benefits (BVG). You can therefore receive your exit benefit in cash if required. The taxable cash payment must be made within one year of taking up self-employment.

Cash payment is only possible if a sole proprietorship or collective company is founded. Working in one's own company with the legal form GmbH or AG is not considered self-employment under social security law, but as employment.

To prove your self-employment, you must submit to us confirmation from the AHV Compensation Fund of your registration as a self-employed person and, if available, further documents such as:

Excerpt from the commercial register
Business plan, advertising material
Rental agreement for commercial premises
Contracts with Employees or Customers

If you do not want a cash payment, you have the following alternatives:

As a self-employed person, you can choose voluntary insurance in accordance with Art. 4 BVG and transfer your retirement benefit to your new pension fund.
You can pay your exit benefit to a vested interest institution of your choice (bank or life insurance).

Withdrawal as a result of emigration

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When you leave Switzerland for good, you have the option of receiving your withdrawal benefit in whole or in part as a taxable cash payment, depending on the case.

Traveling to an EU/EFTA state
- You can have the extra-mandatory part of your exit benefit paid out in cash. For this, we need the account details of your bank or postal account.
- The legal part, on the other hand, remains in Switzerland and is transferred to the free movement institution of your choice. Please share them with us. If you do not report this, we will transfer your retirement savings to the BVG Security Fund.
- If you are not subject to social security contributions in your new state of residence, you can apply for cash payment of the statutory portion retrospectively from the free movement institution. The required form can be found on the website of the BVG Security Fund Liaison Office (sfbvg.ch).
Departure to a third country
- If you settle outside the EU/EFTA and do not have compulsory insurance within the EU/EFTA, you can receive the entire withdrawal benefit in cash.
- For the payout, we need the details of your bank or postal account.

Cash Payment as a Result of a Minor Withdrawal Payment

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If your exit benefit is less than your own annual contribution to the pension fund (percentage of employees), you can apply for a cash payment. The amount of your exit benefit can be found on the provisional exit statement or in the web portal.

If we do not have any transfer details 6 months after your departure, we will transfer your withdrawal benefit in accordance with legal requirements (Art. 4 FZG) to the Stiftung Aufangeinrichtung BVG.

Let us know directly via our web portal.

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Use of the termination benefit

Use of the termination benefit EU-EFTA