# 2nd pillar recommendation?
**URL:** https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592
**Category:** Investing / Portfolios
**Created:** [June 8, 2021, 12:17pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592 "2021-06-08T12:17:35Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 8, 2021, 12:17pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/1 "2021-06-08T12:17:35Z")
Hi all, my first post in the community… 🙂
Soooo, after 15 years, im taking the plug from corporate world! Taking 6 months off before creating my own startup and self employment activities… exciting!!
So, I need to transfer my 2nd pillar “somewhere” as a temporary solution before I have my GmbH and place it there. Any recommendations where to transfer my 2nd pillar to? I would like to have it invested mostly in ETFs but I’m aware there are limitations…
Im very grateful to be able to have the thoughts from this wise group! Thank you!!
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### Author:  [@Ardius](https://forum.mustachianpost.com/u/Ardius)
#### Post date: [June 8, 2021, 12:31pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/2 "2021-06-08T12:31:53Z")
Have a look here :
> **[VIAC Vested Benefits - Flexible and cost-effective solution for your 2nd...](https://viac.ch/en/products/vested-benefits/)**
>
> Learn more about VIAC's flexible vested benefits solution for your occupational pension. Discover the advantages of transferring pension fund assets to VIAC, the cost-effective investment option using ETFs and index funds, and the division into...
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 8, 2021, 2:27pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/3 "2021-06-08T14:27:25Z")
ValuePension
I would just keep it there.
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### Author:  [@Neville](https://forum.mustachianpost.com/u/Neville)
#### Post date: [June 8, 2021, 5:22pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/4 "2021-06-08T17:22:10Z")
How is it better than VIAC?
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [June 8, 2021, 6:11pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/5 "2021-06-08T18:11:51Z")
ValuePension has more flexible investment strategies and selection of funds - at least in their corresponding _3rd_ pillar products (maybe Cortana can confirm if the same is true for their 2nd pillar vested benefits products?)
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 8, 2021, 6:32pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/6 "2021-06-08T18:32:17Z")
It’s the same. My 2nd pillar is invested in 80% MSCI World ex CH, 19% MSCI EM and 1% cash. With Viac you have a lot of limitations.
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### Author:  [@Carambau](https://forum.mustachianpost.com/u/Carambau)
#### Post date: [June 10, 2021, 10:48am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/7 "2021-06-10T10:48:03Z")
My wife is in exactly the same situation. She is starting her own company and leaving the corporate world behind and we’re assessing options for the LPP2. If I understand well the best options out there right now are Value Pension and VIAC
value pension seems to have the benefit of being based in Schywz
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### Author:  [@pwi](https://forum.mustachianpost.com/u/pwi)
#### Post date: [June 10, 2021, 11:53am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/8 "2021-06-10T11:53:25Z")
I agree that Viac and Value Pension are the best. I would split 50/50 between these two.
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 10, 2021, 12:07pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/9 "2021-06-10T12:07:10Z")
funny to be on the same situation - exciting times, hum? 🙂 🙂
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 10, 2021, 12:07pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/10 "2021-06-10T12:07:31Z")
splitting is indeed a good idea!
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 10, 2021, 12:08pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/11 "2021-06-10T12:08:13Z")
@Carambau did you look at Liberty.ch?
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### Author:  [@Carambau](https://forum.mustachianpost.com/u/Carambau)
#### Post date: [June 10, 2021, 12:40pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/12 "2021-06-10T12:40:38Z")
I have not looked into Liberty. ch, will have a look thanks for sharing that info!
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### Author:  [@Ardius](https://forum.mustachianpost.com/u/Ardius)
#### Post date: [June 10, 2021, 1:39pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/13 "2021-06-10T13:39:38Z")
Why ? This sounds time consuming for which benefits ?
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 10, 2021, 1:40pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/14 "2021-06-10T13:40:37Z")
risk mitigation i suppose?
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### Author:  [@pwi](https://forum.mustachianpost.com/u/pwi)
#### Post date: [June 10, 2021, 2:11pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/15 "2021-06-10T14:11:18Z")
risk mitigation is one
another reason is that you could take the lump sum payments in different fiscal years
or if you have a new pension fund, transfer only one of these two and let the other one invested (remember that most pension funds have a very conservative, low return strategy)
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### Author:  [@Ardius](https://forum.mustachianpost.com/u/Ardius)
#### Post date: [June 10, 2021, 7:53pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/16 "2021-06-10T19:53:46Z")
Not transfering in your new pension fund is illegal. Secondly, this will decrease your other insurance benefits.
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 11, 2021, 6:24am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/17 "2021-06-11T06:24:37Z")
Could you please elaborate?
I understand that:
- I can place my total sum right now in a vested accounts and just leave it there for the long run.
- When I create my own GmbH and/or join another corporation, I can start from zero again.
Do you think the same or am I missing something?
Thanks!!
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [June 11, 2021, 6:53am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/18 "2021-06-11T06:53:30Z")
Ardius was talking about changing employers, not becoming an own one. 🙂
In the latter case there should be nothing illegal of course.
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### Author:  [@mabi](https://forum.mustachianpost.com/u/mabi)
#### Post date: [June 11, 2021, 7:23am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/19 "2021-06-11T07:23:23Z")
Hi Mafalda, first of all welcome to the community 👋
> [@ddc](#):
>
> Soooo, after 15 years, im taking the plug from corporate world! Taking 6 months off before creating my own startup and self employment activities… exciting!!
Congrats, that takes quite some courage but it is super exciting. Out of curiosity in which business field will your startup be operating?
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### Author:  [@ddc](https://forum.mustachianpost.com/u/ddc)
#### Post date: [June 11, 2021, 8:55am UTC](https://forum.mustachianpost.com/t/2nd-pillar-recommendation/6592/20 "2021-06-11T08:55:31Z")
thanks 🙂
Starting 2 projects: one in education and one in tourism - different pace and different markets!
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