Practical guide
Second pillar: consolidate vested-benefits assets into one fund
If your LPP assets are scattered, centralizing them avoids tracking losses and speeds up transfers.
Reliability note
Information provided for administrative guidance. Final verification on official portals is recommended.
4-step action plan
- Identify all former pension funds and vested-benefits accounts.
- Choose one vested-benefits account to centralize all assets.
- Request each incoming transfer with AHV reference and written proof.
- Then transfer the full amount to your current pension fund.
Document checklist
- AHV number
- Pension certificates from former employers
- Current pension fund details
- IBAN/reference of the vested-benefits account
Mistakes to avoid
- Forgetting an old dormant asset
- Sending incorrect destination details
- Not verifying the final credited amount
Trust
Official sources to verify
OFAS - Prevoyance professionnelle (LPP)
ch.ch - Prevoyance vieillesse
Fondation institution supplementaire LPP
ch.ch - Portail officiel des demarches
Informations administratives officielles Confedereation/Cantons/Communes.
SEM - Secretariat d Etat aux migrations
Permis, regroupement familial, naturalisation.
OFSP - Assurance maladie
Regles LAMal et informations de sante publique.
Go further
Related detailed page
Consolidation of second-pillar and vested-benefits assets
LPP assets spread across multiple funds or accounts
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Frequently asked questions
Is this guide enough for my case?
This guide gives structure and common mistakes. For sensitive or urgent cases, personalized support is recommended.
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Our guides are regularly updated according to federal and cantonal changes.
Are official sources included?
Yes. The official sources section links to relevant Swiss public portals.
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