Promoting home ownership – changes when you turn 50

Up to the age of 50, the accountholder can make no more than one early withdrawal up to the current value of the accrued vested-benefit capital. Members past the age of 50 are entitled to withdraw a maximum of the vested-benefit capital they had accrued at age 50 (example 1) or half the vested-benefit capital at the time of the withdrawal, whichever is higher (example 2).

Calculation examples

 Example 1Example 2

Vested-benefit capital
age 50

30 000 CHF

30 000 CHF

Vested-benefit capital
age 55

40 000 CHF

80 000 CHF

Possible early withdrawal
age 55

30 000 CHF

40 000 CHF

 

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