The vested benefits payment is made whenever an insured leaves a pension fund without immediately joining another one. It applies in particular to the following situations:

• Change of employer
• Parental leave or career break
• Permanent departure from Switzerland
• Unemployment or dismissal
• Becoming self-employed
• Continuing education or retraining
• Divorce or dissolution of partnership
• Granting of a full disability pension
• Approaching retirement without new affiliation

In each of these cases, the insured has a legal right to retain their pension assets with a vested benefits institution.

Governance: a combination of expertise and solidity

The Vested Benefits UP foundation is the result of a strategic partnership between two major players in Swiss pension provision: the FCT Group and Trianon SA. This alliance combines the strength of a nationally recognized pension group with the operational expertise of a leader in administrative and technical managementtrianon.ch.

A partnership based on experience

Since 1998, FCT has been supporting Swiss companies in setting up tailor-made occupational pension solutions. With more than 29,000 insureds and assets under management of over CHF 7 billion, it has become a key player in occupational pension provision in Switzerland.

Trianon SA, founded in 1997, is a leading Swiss company in the field of pension and human resources management. It offers outsourcing solutions for pension fund management, payroll, absence management, and claims, allowing companies to focus on their core business.

Independent and transparent governance

The Vested Benefits UP foundation is structured to ensure independent, transparent governance without conflicts of interest. It benefits from the combined experience of FCT and Trianon SA to offer pension solutions tailored to the specific needs of insureds.

Efficient and secure management

Thanks to this collaboration, the Vested Benefits UP foundation offers efficient and secure management of vested benefits assets, supported by cutting-edge technology and proven processes. It also ensures transparent communication and high-quality service for insureds.

Our fees: transparent, simple and competitive

We believe that transparency is essential to enable you to make informed decisions about your investments. Here is a clear overview of all the fees associated with the management of your vested benefits, depending on the investment strategy you choose.

Total fees between 0.34% and 0.50% (including fund TER)

Transparency is one of our core values. That is why we always display all the fees associated with each investment strategy in a clear and comprehensive manner. All information is available whenever you need it, so you can invest with confidence.

Our total fees are between 0.34% and 0.50% per year, one of the most competitive levels on the market, so you can enjoy optimized net returns over the long term.

In addition, we can confirm that no margin is charged on currency exchange transactions, there are no issuance fees and, finally, no withholding taxes.

Below you will find a breakdown of our fees.

Foundation management fees of 0.30%

These fees cover all services provided by the foundation:

Selection and monitoring of investments

Portfolio rebalancing

Access to the online platform and reporting

Assistance for insureds with all administrative procedures

External fees between 0.05% and 0.10% depending on the strategy

These are the fees charged by banks and external managers, including in particular:

Management of external assets

Securities custody

Transaction fees (the Foundation does not charge transaction fees)

Internal fund fees (TER between 0% and 0.15% depending on the strategy)

Some financial instruments include internal fees (TER) that vary depending on the asset class:

For index funds, the TER is often zero.

For global strategies, the TER may be higher due to investments in real estate or alternative investments.

Important to know

Fees vary depending on the complexity and potential return of each strategy. For example, global strategies often include real estate, which generates higher returns over the long term, despite slightly higher costs.

💬 We recommend that you always consider net performance, not just isolated fees

Investments: performance, security, and transparency

Thanks to the expertise of the FCT Group and assets under management of over CHF 7 billion, we select the best asset managers and negotiate highly favorable pricing terms on your behalf.

Our investment philosophy

Our approach is based on clear, proven principles that serve your future:

Open architecture

We independently select the best investment funds from external partners, acting exclusively in the interests of our insureds.

Core-satellite approach

We combine low-cost index funds (core) with active investments in specific asset classes with high potential (satellite).

Intelligent diversification

Our strategies are highly diversified across asset classes, economic sectors and geographical regions. We also diversify asset managers to limit the risks associated with a single player.

Asset security

All funds are deposited with leading Swiss banks. Assets are legally separated from the banks' balance sheets, protecting you in the event of bankruptcy.

Return optimization

We seek to maximize your net performance by reducing fees, optimizing taxation, and applying rigorous management.

Dynamic and efficient rebalancing

Each portfolio has defined tolerance margins, allowing the portfolio to evolve with the market while avoiding unnecessary transaction costs.
Before each adjustment, we carry out internal netting between clients with opposing orders, which significantly reduces costs.

• A powerful and intuitive digital platform
• Daily monitoring of your account value directly online
• Change your strategy at any time via your secure account
• Orders executed once a week, according to a transparent schedule
• And best of all... no transaction fees for strategy changes

Three investment categories to meet your objectives

Global Strategies

7 investment profiles, from 0% to 75% equities, to build a portfolio tailored to your risk tolerance.

Sustainable Strategies

Six sustainable profiles incorporating ESG criteria, from 15% to 75% equities, for responsible investing.

Index Strategies

Four index profiles replicating the Pictet LPP indices, ranging from 25% to 80% equities, for simple, transparent, and efficient investing.

Solid performance over time

Our strategies consistently rank in the top quartile of the market over 3 and 5 years, across all categories.

👉 Investing with the Vested Benefits UP foundation means choosing performance, security and control over costs—to optimize your retirement capital.

A responsible commitment at the heart of every solution

The Vested Benefits UP foundation systematically incorporates sustainability criteria into all of its investment strategies. In line with the FCT Group's commitments, each solution is designed to combine financial performance with a positive long-term impact in terms of environmental, social and governance (ESG) factors.

In addition to the ESG criteria integrated into the entire investment architecture, the Vested Benefits UP foundation offers a dedicated range of investment profiles with the Sustainable label. These strategies provide a clear response to the expectations of insureds who want to give meaning to their savings while ensuring the growth of their capital.

The characteristics of the Sustainable strategies are as follows:

✅ Six investment profiles, with equity exposure ranging from 15% to 75%, to suit each insured's risk tolerance.

🌍 Rigorous selection of sustainable funds, including companies or investment vehicles positively assessed on ESG (environmental, social, and governance) criteria.

🏅 Integration of responsible investments aimed at supporting the energy transition, social innovation, or ethical corporate governance.

🧩 Global diversification, both sectoral and geographical, without compromising sustainability principles.

🔍 Regular monitoring of impact and assessment of non-financial performance.

Sustainable consistency across the entire platform

Even the other investment strategies (Global and Index) apply ESG criteria as part of the open architecture managed by the Vested Benefits UP foundation. This guarantees that, regardless of their strategy, the insured's capital is invested with care and responsibility.

A vision aligned with the values of the FCT Group

Sustainable commitment is not limited to investment: it is an integral part of the FCT Group's culture. This global vision also applies to the Vested Benefits UP foundation, ensuring alignment between the technical solutions offered and the ethical values upheld by the governance.

Insureds can access the Vested Benefits UP foundation directly via the secure EBC portal. They can view their personal account at any time to make online transfers.

The "Transfer to UP Foundation" button must be selected. Once the investment strategy has been selected and confirmed, a confirmation is sent.

Personalized support to help you make the right choices

Choosing an appropriate investment strategy is not always easy. That is why we provide our insureds with innovative tools and personalized support to guide them every step of the way.

A clear investor profile thanks to our digital tool

Our online platform offers a wide range of features:

• Easily assess insured’s risk tolerance
• Determine individual investment horizons
• Obtain personalized recommendations based on the insured’s situation

Our interactive questionnaire helps define the investor profile that best suits each individual, enabling them to make informed decisions independently.

Investment specialists at your service

Our specialized advisors are also available to answer any questions and help insureds:

• Understand the differences between our strategies
• Analyze the suitability of their current portfolio in relation to their objectives
• Make a change in strategy if necessary

📞 Whether by phone, email, or via our online platform, we offer personalized, competent, and reliable support at all times.