{"id":28288,"date":"2017-02-09T14:37:23","date_gmt":"2017-02-09T13:37:23","guid":{"rendered":"https:\/\/fasoon.ch\/details\/rechtsformenvergleich\/advance-pension-fund-withdrawal\/"},"modified":"2026-02-19T13:59:46","modified_gmt":"2026-02-19T12:59:46","slug":"advance-pension-fund-withdrawal","status":"publish","type":"page","link":"https:\/\/fasoon.ch\/en\/found\/advance-pension-fund-withdrawal\/","title":{"rendered":"Pensionskassenvorbezug"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Description and Contact&#8221; _builder_version=&#8221;4.20.2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; use_border_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Pension fund withdrawal<\/strong><br \/>All without beating about the bush<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; admin_label=&#8221;Intro (2\/3) and Contact (1\/3)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;40px||||false|false&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px||20px||false|false&#8221; custom_padding_tablet=&#8221;20px||30px||false|false&#8221; custom_padding_phone=&#8221;20px||20px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Beschreibungstext Pensionskassenvorbezug&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Anyone who becomes self-employed as a <strong>sole proprietorship<\/strong> or as a <strong>general partnership<\/strong> has the option of drawing their money from the pension fund.<\/p>\n<p>Owners of a corporation (Ltd Liab Co or Ltd) <strong>cannot <\/strong>draw the pension fund money.<\/p>\n<p>The following criteria must be met:<\/p>\n<ul>\n<li>Establishment of a private company (sole proprietorship or general partnership)<\/li>\n<li>main occupation self-employment<\/li>\n<li>Confirmation from the Compensation Office of commencement of activities<\/li>\n<li>Complete the application to the relevant pension fund and submit it within one year of starting self-employment<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;20px||20px|50px|false|false&#8221; custom_padding_tablet=&#8221;20px||30px|20px|false|false&#8221; custom_padding_phone=&#8221;20px||20px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_color_top=&#8221;#8c8c91&#8243; border_width_left=&#8221;1px&#8221; border_color_left=&#8221;#464646&#8243; border_width_all_tablet=&#8221;&#8221; border_width_all_phone=&#8221;&#8221; border_width_all_last_edited=&#8221;on|phone&#8221; border_width_top_tablet=&#8221;1px&#8221; border_width_top_phone=&#8221;1px&#8221; border_width_top_last_edited=&#8221;on|phone&#8221; border_width_bottom_tablet=&#8221;1px&#8221; border_width_bottom_phone=&#8221;0px&#8221; border_width_bottom_last_edited=&#8221;on|desktop&#8221; border_width_left_tablet=&#8221;0px&#8221; border_width_left_phone=&#8221;0px&#8221; border_width_left_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Questions?&#8221; 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_builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#464646&#8243; custom_margin=&#8221;||15px||false|false&#8221; global_module=&#8221;47292&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We are happy to help!<\/p>\n<p>[\/et_pb_text][et_pb_blurb url_new_window=&#8221;on&#8221; image=&#8221;https:\/\/fasoon.ch\/wp-content\/uploads\/2025\/08\/Icon_Tel.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;28px&#8221; content_max_width=&#8221;100%&#8221; image_icon_width_tablet=&#8221;24px&#8221; image_icon_width_phone=&#8221;22px&#8221; image_icon_width_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Tel&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#464646&#8243; header_font_size=&#8221;20px&#8221; body_text_color=&#8221;#464646&#8243; body_font_size=&#8221;20px&#8221; 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_builder_version=&#8221;4.27.4&#8243; background_enable_color=&#8221;off&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;||||false|false&#8221; border_width_bottom=&#8221;1px&#8221; border_color_bottom=&#8221;#8C8C91&#8243; border_width_bottom_tablet=&#8221;0px&#8221; border_width_bottom_phone=&#8221;0px&#8221; border_width_bottom_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;60px||40px||false|false&#8221; border_color_bottom=&#8221;#464646&#8243; border_width_bottom_tablet=&#8221;1px&#8221; border_width_bottom_phone=&#8221;1px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Formation of a partnership&#8221; image=&#8221;https:\/\/fasoon.ch\/wp-content\/uploads\/2025\/08\/Fasoon-Deal.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;80px&#8221; content_max_width=&#8221;700px&#8221; image_icon_width_tablet=&#8221;70px&#8221; image_icon_width_phone=&#8221;60px&#8221; image_icon_width_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Formation of a partnership (Blurb)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_color=&#8221;#464646&#8243; header_font_size=&#8221;26px&#8221; body_link_font=&#8221;|600|||||||&#8221; body_link_text_color=&#8221;#004350&#8243; width_last_edited=&#8221;off|desktop&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||60px||false|false&#8221; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; animation=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;left&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;off|tablet&#8221; custom_css_blurb_title=&#8221;padding-top: 10px;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_blurb][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|600|||||||&#8221; link_text_color=&#8221;#004350&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li>Sole proprietorship<\/li>\n<li>General partnership<\/li>\n<li>Pension fund assets cannot be withdrawn when founding a capital backed company ( LLC or Ltd.).<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;60px||40px||false|false&#8221; 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global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li>If a person exercises only one activity, this is basically a main occupation.<\/li>\n<li>For several activities, the workload, income and stability of the activities are taken into account.<\/li>\n<li>Shareholders of a general partnership are assessed separately.<\/li>\n<li>Only shareholders whose main occupation is to carry out the activity may advance funds.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;60px||40px||false|false&#8221; border_width_bottom_tablet=&#8221;1px&#8221; border_width_bottom_phone=&#8221;1px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Confirmation from the compensation office&#8221; image=&#8221;https:\/\/fasoon.ch\/wp-content\/uploads\/2025\/08\/Fasoon-Deal.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;80px&#8221; content_max_width=&#8221;700px&#8221; image_icon_width_tablet=&#8221;70px&#8221; image_icon_width_phone=&#8221;60px&#8221; image_icon_width_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Confirmation from the compensation office (Blurb)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_color=&#8221;#464646&#8243; header_font_size=&#8221;26px&#8221; body_link_font=&#8221;|600|||||||&#8221; body_link_text_color=&#8221;#004350&#8243; width_last_edited=&#8221;off|desktop&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||60px||false|false&#8221; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; animation=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;left&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;off|tablet&#8221; custom_css_blurb_title=&#8221;padding-top: 10px;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_blurb][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|600|||||||&#8221; link_text_color=&#8221;#004350&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Once the company has been set up, you will receive a questionnaire from the compensation office. This must be completed and sent to the appropriate address together with the following documents (if available)<\/p>\n<ul>\n<li>Extract from the commercial register<\/li>\n<li>3 invoices to different clients including proof of receipt of payment<\/li>\n<li>Address of the website<\/li>\n<li>Letterhead with company logo, flyer or brochure<\/li>\n<li>Rental contract<\/li>\n<li>Proof of purchase of investments made<\/li>\n<li>General contracts (e.g. employment contracts, contracts with suppliers, etc.)<\/li>\n<\/ul>\n<p>After 14-21 days you will receive confirmation from your compensation office.<\/p>\n<p><strong>With this confirmation you can request payment of the occupational benefits.<\/strong> Your pension fund or bank (in the case of a vested benefits account) will be happy to provide you with information in this regard.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;60px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Tax implications&#8221; image=&#8221;https:\/\/fasoon.ch\/wp-content\/uploads\/2025\/08\/Fasoon-Deal.svg&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;80px&#8221; content_max_width=&#8221;700px&#8221; image_icon_width_tablet=&#8221;70px&#8221; image_icon_width_phone=&#8221;60px&#8221; image_icon_width_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Tax implications (Blurb)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_color=&#8221;#464646&#8243; header_font_size=&#8221;26px&#8221; body_link_font=&#8221;|600|||||||&#8221; body_link_text_color=&#8221;#004350&#8243; width_last_edited=&#8221;off|desktop&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||60px||false|false&#8221; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; animation=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;24px&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;left&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;off|tablet&#8221; custom_css_blurb_title=&#8221;padding-top: 10px;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_blurb][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|600|||||||&#8221; link_text_color=&#8221;#004350&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>The payment of pension assets leads to <strong>taxation<\/strong>. This is recorded and carried out separately from your tax return. Depending on the amount paid out and the canton of residence, the tax burden may be higher or lower. The cantonal tax offices provide tax calculators. For a payout of CHF 100,000.-, a tax burden of approximately 5% must be expected.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA Foundation + Consultation&#8221; module_class=&#8221;background-grey&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_margin=&#8221;||-50px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_module=&#8221;49026&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_css_free_form=&#8221;selector{||  text-align: center;||}||selector .btn-white-arrow {||    margin-right: 32px;||    padding: 11px 20px;||  \tfont-size: 20px;||\t\twidth: 100%;||\t\tmax-width: 274px;||}||||selector .btn-white-arrow:after {||    position: absolute;||    right: 14px;||    top: 13px;||}||||@media (max-width: 981px) {||  selector .btn-white-arrow {||    margin-bottom: 25px;||    padding: 11px 20px;||    padding: 7px 12px;||    font-size: 16px;||    max-width: 215px;||}||  selector .btn-white-arrow:after {||  \twidth: 11px;||    height: 16px;||    position: absolute;||    right: 12px;||    top: 11px;||}||||}||||@media (max-width: 555px) {||  selector .btn-white-arrow {||    margin-right: 0 ;||  }||}&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Are you ready?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin_tablet=&#8221;25px||||false|false&#8221; custom_margin_phone=&#8221;25px||||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"padding-bottom: 0;\"><strong>Are you ready?<\/strong><br \/><span style=\"font-weight: 300;\">Found your company now.<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Our team already helped&#8230;&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_font_size=&#8221;28px&#8221; text_line_height=&#8221;28px&#8221; text_orientation=&#8221;center&#8221; 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