LPP fundamentals
The 2nd pillar explained step by step.
Periods without employment: what happens to your 2nd pillar.
Unemployment, maternity, sabbatical, long-term illness: your LPP does not stop but is not fed either. Here is how each period is treated and the risks to anticipate.
Reading your pension certificate, line by line.
The annual certificate sent by your pension fund contains all essential information about your 2nd pillar. You just need to know where to look.
LPP mandatory and extra-mandatory: the difference everyone confuses.
On your certificate, your LPP assets are split in two. The mandatory and extra-mandatory parts do not follow the same rules — especially when leaving Switzerland.
Pension funds, foundations, Central 2nd-Pillar Office: who does what.
Three types of institutions manage Swiss occupational pensions. They do not play the same role — and the confusion is what makes assets disappear.
Vested benefits account or policy: choosing between the two.
When your LPP assets land in a vested benefits foundation, you have two options: bank account or insurance policy. The right choice depends on your age, horizon, and risk-coverage needs.
Vested benefits: the complete guide to leaving nothing asleep.
Everything you need to know about vested benefits foundations: what they are for, how they work, what to do with them.
The 2nd pillar explained simply, without jargon.
Understand Swiss occupational pension in 5 minutes: what it is, where the money lives, when it moves, how you recover it.