In order to receive a pension fund, self-employment must be your main occupation. This is usually checked on the basis of income and invested working hours.
An entry in the Commercial Register is not mandatory for sole proprietorships with a turnover of less than CHF 100'000 per year. Our recommendation: Make the entry when you set up your company. This increases the credibility of your project. You will also receive an official document that you can use in your business dealings: the extract from the commercial register.
Ideally, you should wait until you have received the extract from the commercial register before registering with the equalisation fund.
As soon as you have received the excerpt from the commercial register, create a file with the necessary documents (see tile «Required documents»).
You send the dossier with the completed questionnaire to your compensation fund. After 10-14 days you should receive a confirmation from the equalisation fund that you have been accepted as self-employed.
You must now send your compensation fund's confirmation to your pension fund or to the bank (in the case of a vested benefits account). You should then receive the funds paid into your pension fund. Please note that you still have to retain approx. 5% (depending on the canton) of the amount paid out for the tax invoice.
The pension fund money must be paid out within 12 months of starting self-employment. After this date, early withdrawal is no longer possible.
In order to use your previously paid-in pension fund assets for your new company, you must prove to the pension fund that you are taking up self-employment. Once you have started self-employment, the application must be submitted to the pension fund within one year. If the insured person is married or lives in a registered partnership, the written consent of the partner is required.
Wait until you have received the extract from the commercial register before registering with the compensation office. Then create a dossier with the following documents:
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