FUTURA A to Z

What do I do if I want to sell my property but a restriction on sale has been entered in the land register because of the advance withdrawal?

The restriction on sale can be deleted if the advance withdrawal has been repaid in full to the pension fund.

It is also possible to transfer the restriction on sale in the land register to the new property.

Please contact our customer service.

How can I save up as much pension fund pension as possible?

See also "Purchasing".

As an employee, you generally have the option of making voluntary purchases into your pension fund in order to improve your pension.

On your personal pension certificate you will find the information "Possible purchase". You can pay this amount into your pension fund in full or in tranches with personal assets. The money is credited to your savings balance and earns interest annually. The additional advantage of a purchase into the pension fund is that you can deduct this so-called purchase contribution from your taxable income and thus save tax.

Purchases into the pension fund can now be made directly via myFUTURA. You can find more information on purchasing here:

TO THE "Purchasing" MEMO SHEET

Do lump-sum withdrawals from a Swiss pension fund have to be taxed?

Capital withdrawals from a Swiss pension fund must always be taxed in Switzerland. Tax is generally paid at your place of residence.

Exception see "Withholding tax".

How high are the administrative costs?

At FUTURA Vorsorge , the administrative costs amount to a moderate CHF 300 per insured person per year.

From 2026, only CHF 270 per insured person and insurance year will be charged under the Basic Plan.

The financing of these costs is regulated in the pension plan and can be seen on the pension certificate.

How do I read the pension certificate?

The pension certificate shows your current insurance situation based on the pension fund regulations and your pension plan valid on the reference date.

The pension certificate is generated on joining, at the beginning of the year and whenever there is a change, e.g. a salary increase, and is made available to the insured person on the "myFUTURA" portal. To log in, click HERE or read the instructions HERE. If you would like to receive the document physically, please contact customer service.

In our information sheet "Explanations on the pension certificate", we explain the most important terms and background information and help you to find your way around the pension certificate:

TO THE MEMO SHEET

What does the pension plan define?

In the pension plan, your employer has defined which insurance benefits apply to their employees. This plan includes the amount of the savings contributions and the benefits in the event of death or disability. You can obtain the pension plan that applies to you from your employer.

What are the pension regulations?

Every pension fund must draw up pension fund regulations. They define the rights and obligations of the insured person and the pension fund and set out the framework conditions for benefits in old age, death or disability. You can find FUTURA's pension fund regulations here:

TO THE PENSION FUND REGULATIONS