How and when can I withdraw my vested benefits?

The withdrawal of vested benefits is regulated by law. Click on the desired topic for details.

You can use your vested benefits to buy owner-occupied real estate abroad or at home. The following rules apply to withdrawals:

  • Early withdrawals are possible every 5 years
  • You can pledge your assets
  • You can use assets for building, buying and renovating owner-occupied real estate or for paying a share of owner-occupied property
  • Repay mortgage loans

Financing vacation homes and second homes with vested benefits is not permitted by law.

If you want to use your vested benefits for buying your own home, please complete the form below.

Send the signed and completed form to:
Vested Benefits Foundation of UBS AG
P.O. Box
CH-4002 Basel

You can generally withdraw your assets five years in advance at the earliest and, at the latest, five years after reaching the statutory AHV age (age 64 for women and age 65 for men).

Early withdrawal is possible in the following cases:

  • If you use the assets to finance owner-occupied property
  • If you leave Switzerland permanently (restrictions apply in EU countries, Liechtenstein, Iceland and Norway)
  • If you want to become self-employed
  • If you receive a full invalidity pension
  • If your assets from your last pension fund are lower than annual employee contributions
  • Payment to the beneficiary in the case of death of the pension fund member

If you would like to withdraw your vested benefits, please complete the form below.

Please send the signed and completed form to:
Vested Benefits Foundation of UBS AG
P.O. Box
CH-4002 Basel