Your benefits as an insured person with FUTURA

Your new employer registers you with us. You will then receive access to the online portal, where you can download your pension certificate at any time. Please check that your personal details and annual salary are correct. If you were previously employed, you are responsible for ensuring that the vested benefits are transferred to us by the previous insurer. Please use our payment slip for this purpose.

Your previous employer will deregister you with us. You will then receive the termination statement. You are responsible for transferring your termination benefit to the new pension fund (or to a vested benefits account). The form Termination or retirement must be completed.

If you become self-employed or emigrate, you can withdraw part or all of your termination benefit as a lump sum.

With a purchase, you can make up for missing contribution years or pension gaps (e.g. due to salary increases). You benefit from long-term interest, higher retirement benefits retirement benefits and tax savings. Once you have submitted the purchase calculation application form, we will calculate your effective purchase potential for you - both for regular purchases and for purchases in the event of early retirement. You decide whether, when and how much you want to transfer and when.

Please note the blocking period of three years. For further information, please contact your local tax authority.

Ordinary retirement takes place when you reach the normal AHV retirement age. You will automatically receive a reply form a few months before normal retirement, with which you can inform us of the desired type of withdrawal. There is no notification period for lump-sum withdrawals. Voluntary purchases made in the last three years before retirement cannot be withdrawn as a lump sum. The relevant tax authority will decide whether a partial lump-sum withdrawal is possible.

For early and partial retirements, please also complete the retirement notification form and send it to us approximately three months before the desired retirement date.

Early retirement results in a reduction in the conversion rate. Lump sum or pension? Depending on your current circumstances, plans for the future and general philosophy, a lump sum or pension, or a combination of the two, is the right choice. An annuity has the advantage that it is paid out for life and is secure. The lump sum offers absolute flexibility - but you are responsible for covering the longevity risk. In the event of death, the remainder of the lump sum is transferred to the estate.

You can notify us of changes in marital status using the change form form. Upon marriage, the spouses are also entitled to benefits according to the pension plan. If you live in a registered partnership, your partner will be entitled to benefits in accordance with the using the appropriate form entitled to benefits in the same way as a spouse. If a partner's pension is insured under the pension plan, please notify us of your partner using the confirmation of partnership form. If you would like to include other persons in the order of beneficiaries, you can also notify us, taking into account the regulatory framework conditions.

The Federal Law on the Promotion of Home Ownership of January 1, 1995 allows you to use funds from the pension fund to purchase residential property. We report the advance withdrawal directly to the Federal Tax Administration and arrange for a corresponding entry to be made in the land register. You are obliged to repay the advance withdrawal if the residential property is sold or rented out to a third party. As a result of the advance withdrawal, the pension benefits are reduced in old age and, depending on the pension plan, also in the event of disability and death. In the case of pledges, the pension cover is not reduced as long as no pledge is realized.

Advance withdrawal request form