You fill in the form
Identity, AHV number and electronic signature of the power of attorney. That’s all we need.
2nd pillar · Vested benefits
Your forgotten pension money, found and consolidated.
A change of job, a career break, a move abroad: all it takes is one form that was never sent back for BVG/LPP pension assets to go missing. We launch the search with the Central Office 2nd Pillar and bring your accounts together into one, entirely online.
- Free search with no commitment
- Electronic signature, no letters to send
- Data protected under Swiss law (FADP)
Track your request in the app
Start your search
≈ 5 min- 16 questions to estimate your chances of having forgotten assets
- 2Your details and your AHV number, with step-by-step guidance
- 3Your power of attorney signed online, with your ID document
Encrypted connection. The search is free, with no commitment.
The figures
Billions of francs are waiting for their owners
When nobody says where a termination benefit should be paid, it ends up with the Substitute Occupational Benefit Institution (Stiftung Auffangeinrichtung BVG). Many of these accounts no longer have any contact with their holder.
5.6 bnCHF in Substitute Institution accounts whose holders cannot be reachedEnd of 2022 · Keystone-SDA
62%of the Substitute Institution’s vested benefits accounts have no valid addressEnd of 2022 · Keystone-SDA
21 bnCHF in assets managed by the Substitute Institution, spread across 1.6 million accounts31.12.2025 · Annual report
0.1%interest paid on these accounts at the end of 2025Nov.–Dec. 2025 · Annual report
In the press
Le TempsAccounts without an address at the LPP Substitute Institution total 5.6 billion francs2023 · in French
cash.ch · AWPBVG Substitute Institution manages 5.6 billion francs in accounts with no contact22 January 2023 · in German
SRF50 billion francs parked: Swiss people forget their vested benefits12 October 2017 · in German
swissinfo.chBillions forgotten after years of hard work24 January 2014 · in French
Substitute Occupational Benefit InstitutionAnnual report 20252026 · PDF in French
FSIOInterest-free investment of the Substitute Institution’s vested benefits fundsConsultation 2026 · in French
How it works
Three steps, zero paperwork
We take care of the formalities you would otherwise have had to handle by post, one pension fund at a time.
We find your accounts
The Central Office 2nd Pillar tells us where your assets are. We then contact each institution to obtain the amounts.
You consolidate in one click
You choose where to bring your assets together. We prepare and send the transfer instructions to each pension fund.
When to search
You may have forgotten assets if…
As soon as someone leaves their pension fund without joining another, their termination benefit goes into a vested benefits account. Without instructions, it ends up with the Substitute Institution.
Change of job
A gap of a few months between two jobs is enough to create a vested benefits account.
Unemployment
Your assets leave your employer’s pension fund and must be placed elsewhere.
Sabbatical or parental leave
A break from work often means leaving the pension fund.
Leaving Switzerland
Depending on where you are moving to, part of it can be withdrawn. The rest must remain invested in Switzerland.
Divorce
Splitting pension assets creates vested benefits if the recipient is not a member of a pension fund.
Buying a home
Your 2nd pillar assets can be used as equity for your main residence.
Becoming self-employed
When you become self-employed, you can, under certain conditions, withdraw your assets to finance your business.
Preparing for retirement
Get a complete overview of your assets before choosing between a pension and a lump sum.
Inheritance
Find out whether a deceased relative had assets the family does not know about.
Consolidation
One account instead of three scattered statements
Scattered vested benefits accounts cost you time and often earn little. Brought together, they are easier to keep track of and can be invested to suit your time horizon.
Savings account
Guaranteed capital that earns interest. Suitable if retirement is approaching.
Securities solution
Investment in funds according to your risk profile, with higher return potential over the long term.
Back into a pension fund
If you have a new employer, we transfer your assets to their pension fund, with no consolidation fees.
Example resultCHF
Substitute Occupational Benefit InstitutionVested benefits account · opened in 2014
18 420.35A cantonal bank’s vested benefits foundationOpened in 2017
9 875.10A former employer’s pension fundTermination benefit not transferred
4 212.80consolidation
One single account32 508.25
Exclusive partner
Your assets consolidated with ampia
For consolidation, we work exclusively with ampia Freizügigkeitsstiftung, a Swiss vested benefits foundation based in Küssnacht am Rigi. You choose between a savings account and a securities portfolio, both opened entirely online.
Vested benefits account
Your pension savings, without stock market fluctuations
- Partner bankZürcher Kantonalbank, rated AAA
- Account management feesCHF 0.–
- ProtectionUp to CHF 100,000 per client treated as privileged deposits if the bank goes bankrupt
- Switching to securitiesFree, whenever you decide
Vested benefits portfolio
Diversified investment in funds and ETFs
- Foundation fees0.39% p.a.*
- Weighted average TER of the underlying investments0.148% p.a.
- Minimum amountCHF 1.–
- Change of strategyFree
5 strategies to suit your time horizon
Indicative equity share of each strategy
- ampia 20Defensive19%
- ampia 40Balanced38%
- ampia 60Growth57%
- ampia 80Dynamic78%
- ampia 100Aggressive94%
Indicative equity shares based on the current allocation of the strategies. These proportions may change. Investments involve risks; past performance is no guarantee of future returns.
ampia Freizügigkeitsstiftung · Bodenstrasse 6, 6403 Küssnacht am Rigi · ampia.ch
* Other fees and commissions may apply depending on the contractual terms, in particular advisory fees, fund fees, other third-party fees and one-off issuing or brokerage commissions. Details can be found in the contractual documents and the foundation’s regulations. The weighted average TER relates only to the underlying investments and does not represent all the ongoing costs of each strategy.
CR
HelloCamille
Vested benefits
CHF 48 912.60
▲ +6.8% since consolidation
MarJunSepOct
Current strategyampia 40Balanced · 38% equities
Change strategy
Adviser appointment
Documents
Capital withdrawal
Thu29
Appointment with Julien, adviserVideo call · 14:00
Mobile app
Your 2nd pillar, managed from your phone
Follow your search step by step, then manage your consolidated assets: performance, investment strategy, capital withdrawal and appointments with an adviser, all in one place.
Real-time status
Each step appears as soon as it progresses: reply from the Central Office, statements received, transfers completed.
Notifications
An alert as soon as an account is found or a document is waiting for you.
Your assets, at a glance
Balance, performance and annual statements, available at any time after consolidation.
Change strategy to suit your time horizon
Request a switch from a defensive to an aggressive strategy, or vice versa, from the app whenever your situation changes.
An adviser at hand
Book a phone or video appointment at any time, directly from the app.
Request a capital withdrawal
Retirement, buying a home, self-employment or leaving Switzerland for good: submit your request online, supporting documents included.
Documents in one place
Power of attorney, statements and tax certificates, downloadable as PDFs.
Frequently asked questions
What people ask us most
What are vested benefits?
They are your occupational pension capital (2nd pillar) when you are no longer a member of a pension fund. They are held in a vested benefits account or policy until you join a new pension fund or reach retirement age.
How could I have ‘lost’ my assets?
When you leave an employer, its pension fund asks you where to pay your termination benefit: to your new employer’s pension fund or to a vested benefits account. If it receives no reply, for example because the letter went to an old address, it must pay the money to the Substitute Institution, no earlier than six months and no later than two years after you leave (art. 4 of the Vested Benefits Act, FZG/LFLP). The money still exists, but nobody tells you about it any more. A move, a stay abroad, a period of unemployment or several job changes in quick succession are enough to lose track of one or more accounts.
What is the Central Office 2nd Pillar?
It is the official body that links insured persons and pension institutions. It does not manage any assets, but it knows where they are. We send it your request on your behalf, using the power of attorney you sign.
Why do you need my AHV number?
It is the identifier used by all pension institutions. Without it, the Central Office 2nd Pillar cannot match your accounts to your identity.
How long does the search take?
Usually a few weeks. The time it takes depends on the Central Office 2nd Pillar and then on how quickly each institution responds. You are notified by e-mail whenever there is new information.
Do I have to consolidate my assets with you?
No. The search is free and leaves you free to choose. You can use the results to take the necessary steps yourself or to transfer to the institution of your choice.
What do you do with my data?
It is used first and foremost to search for and consolidate your assets, and is processed in accordance with the Federal Act on Data Protection (FADP). If you agree, your contact details may also be passed on to Brokerlink Sàrl and its partners so that they can present offers to you; this consent is optional and can be withdrawn at any time. Your AHV number is used only for the search. Full details are available in our data protection policy.
Guides
Understanding your 2nd pillar
Our guides answer the most common questions, based on official sources.
Forgotten 2nd pillar assets: how to find them
Job change, unemployment, moving abroad: billions of francs in 2nd pillar assets await their owners. Find out if some are yours and get them back.
Read the guideLeaving Switzerland: what happens to your 2nd pillar?
Leaving Switzerland for good: when you can withdraw your 2nd pillar in cash, EU/EFTA rules, withholding tax and the steps to take, explained simply.
Read the guideChanging jobs or unemployed: what happens to your 2nd pillar?
New job, career break, unemployment or self-employment: where your termination benefit goes, the deadlines, what stays insured and mistakes to avoid.
Read the guideThree minutes to find out what belongs to you.
Free search, no commitment, 100% online.