Every time you change jobs, part of your LPP ends up in an account you may have forgotten — earning just 0.08%/year. We find it, we consolidate it, so you become the owner of your assets again.
Move the sliders: we estimate the LPP assets accumulated over your career in Switzerland. The more employers you have had, the more likely part of it is sleeping in forgotten accounts.
Four little-known mechanisms reduce your capital and your future pension — backed by official figures.
The 6.8% conversion rate only applies to the mandatory part. On the extra-mandatory part, pension funds often apply 4.5 to 5%. The real rate (the « enveloping rate ») is therefore on average already below 6%. In practice: CHF 100’000 of capital ≈ ~CHF 5’500 gross pension/year (~CHF 458/month). And it keeps falling.
The coordination deduction removes CHF 26’460 from your salary before any contribution is calculated. The result: less capital accumulated — an effect that hits part-time workers and lower salaries particularly hard.
The law only guarantees you 25% of your assets as a lump sum. The rest, many pension funds pay out as a lifelong annuity — decided by the fund, not by you. Your money, but not your choice.
A « default » vested benefits account earns on average ~0.08%/year. Over 10 or 20 years, that is tens of thousands of francs of lost growth, while pension fund indices return 3 to 4%/year.
The same capital, two opposite fates — depending on whether it sleeps in a pension fund or sits in a vested benefits account.
We gather your scattered LPP assets into one long-term vested benefits account, and you become the owner of your capital again.
At death, the capital is passed on in full to your beneficiaries — unlike with a pension fund.
Withdraw your capital up to 5 years before the reference age (65), instead of waiting and being forced into an annuity.
You decide: lump sum or pension, investment strategy, beneficiaries. Your money, your rules.
A securities strategy compliant with OPP 2, aligned with the official LPP indices — no more 0.08% sleeping away.
Annualised returns, based on the public reference indices of Swiss pension funds.
Past performance is no guarantee of future results. Figures from public reference indices (Pictet LPP, UBS Pension funds, Swisscanto). For information only, does not constitute individual investment advice.
We launch the search across all Swiss pension institutions (~1’500).
We identify your forgotten assets and bring them together in a suitable long-term vested benefits account.
We take care of the paperwork from A to Z. You take back control, hassle-free.
| « Forgotten » account at the fund | With us, in a vested benefits account | |
|---|---|---|
| Return | ~0.08%/year | strategy ~3–4%/year |
| Access to capital | often a forced annuity | lump sum from age 60 |
| At death | partial pension, outside the estate | capital passed on in full |
| Ownership / choice | decided by the fund | you decide |
*Illustrative example. Past performance ≠ future results.
Smart Léman Sàrl
Chemin du Pavillon 2
1218 Le Grand-Saconnex (Geneva)
UID CHE-443.227.672
FINMA register: F01533002
info@2eme-pilier-suisse.ch
This site provides general information on the Swiss 2nd pillar. It does not constitute individual investment advice within the meaning of the Swiss Code of Obligations or the CISA. Information and figures come from official sources (FSIO, centralised pension search, public LPP indices).
This site uses Google Analytics 4 for audience measurement (anonymised data, no advertising cookies without consent). Consent for the use of the AVS number is explicit and not pre-ticked, in accordance with the nFADP and GDPR.
The performance of the LPP indices cited is historical and is no guarantee of future results. Smart Léman Sàrl declines all liability for inaccuracies or subsequent regulatory changes. Information provided for guidance only — have it validated by an advisor.
Swiss law. Place of jurisdiction: Geneva.
No obligation. An advisor gets back to you within 2 business hours.
Start my search →Our guides give you a clear picture of your situation, without jargon. (Guides currently in French.)
How to identify your vested benefits accounts and consolidate them.
Read the guide →What it is, how it works, and how to choose the right one.
Read the guide →Why your pension is lower than you think.
Read the guide →The criteria for making the right choice for your profile.
Read the guide →Who inherits, how to protect your loved ones, what steps to take.
Read the guide →