I went through the several 2a pillar related posts but couldn’t find an answer, so my apologies if I have missed such post and duplicating topic.
I’m in between jobs, with 2 moths off, and I have to inform the pension fund of my former employer where to move my money. I don’t have information about my next pension fund provider yet (also I don’t think my US employer has any idea about it yet, but more to this in a bit).
Therefore I was thinking to open a vested benefit account where I can invest my 2nd pillar (Freizügigkeitsdepots), like valuepension.
I have also learned, as explained in this article by moneyland, that it is possible to open up to two separate vested benefit accounts, and that they must be in two different providers.
- If I move my 2a to valuepension (or split in two between valuepension and viac for example), once I start working again in two months, will I be obliged to move all my 2a money into the pension fund selected by my new employer, or can I keep them and just join my employer pension plan for the contribution that will come from the new job? (I think @Cortana was talking about something similar in an old thread, but I couldn’t find it right now).
- If I can keep it, great, if not: considering my employer is US based, but will give me a CH contract via a CH legal entity, I expect they do not have any agreement and for sure no previous pension fund plan in place. Would it be feasible if they say “we agreed to give you 8% 2a pillar contribution, can’t we just wire them to your current pillar 2a account for simplicity sake?”… would something like that be possible or those vested accounts can only be used while no active pilar 2a contribution from actual employer is in place?
- If I cannot keep the vested accounts in place once starting the new job, then probably does not make any sense to open any new account. If I can, what are other mustachian options other than valuepension and viac? I have also heard about PensExpert, but haven’t checked myselft yet (maybe we could have a pinned page in the forum where we list the “current alternatives” and update every ~4months as reference? just thinking out loud)
Thank you all