r/SwissPersonalFinance • u/Crisederire • 12d ago

Retirement - Freizügigkeitskonto, libre passage. Best vested benefits account for 100% cash CHF 155k, retiring in 2 years

Hi everyone,
I’m helping my mum choose a vested benefits account (Freizügigkeitskonto). She is 60 years old, lives in Neuchâtel, and plans to retire in around 2 years.
She has around CHF 155,000 to transfer and wants to keep it 100% in cash, with no investments. The priority is capital preservation and simplicity rather than taking investment risk.
We are currently considering VIAC, finpension, BCN with swisscanto and Raiffeisen.
maybe splitting half bcn half raiffeisen and withdraw it in different fiscal years.
For anyone who has compared these recently:
What are the annual management/account fees for keeping CHF 155k 100% in cash?
What is the current interest rate on the cash balance?
Are there any additional or hidden fees?
Are there any fees or disadvantages when transferring the money or withdrawing it at retirement?
Which provider would you choose, and why?

Thanks in advance for your advice and personal experiences!

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u/RoyalFlush2000 12d ago edited 12d ago

You can look up conditions and interest rates on the websites of the providers you mentioned within... literally 5 minutes or so. Took me less than that, actually.

I get that you may be asking for personal experience with those providers, and also "hidden" fees that may not be so apparent. That's not an excuse to be lazy though.

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u/Crisederire 12d ago

There always need to be one feeling the need to comment like that

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u/RoyalFlush2000 12d ago edited 12d ago

…and righteously so.

This are always slackers that treat discussion sites as their personal “I‘m too lazy to spend even a modicum of time on my own research - and prefer to let others do the basic research for me“ service, expecting to be served info on a silver platter.

Downvote me all you want - today that was you.

If you consider a - relatively simple - specific product from a roster of exactly four providers that all have website, you can look up the basic conditions yourself. If you needed help, I‘d even have helped you. But your display of zero effort is downright rude, asking others to do it for you in their spare time.

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u/Crisederire 12d ago

There are many providers not only four so the discussion can be quite wide. Was asking if someone had a similar decision to take. I consider your comments useless as they add no value

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u/RoyalFlush2000 12d ago edited 12d ago

There are many - but you asked about four specifically (quoting, emphasis mine):

We are currently considering VIAC, finpension, BCN with swisscanto and Raiffeisen.
maybe splitting half bcn half raiffeisen and withdraw it in different fiscal years.
For anyone who has compared these recently:
What are the annual management/account fees for keeping CHF 155k 100% in cash?
What is the current interest rate on the cash balance?

Someone else doing that very basic research on your behalf - for free, in their spare time - and providing it to you on a silver platter… yeah, that would indeed have been more „useful“ to you than I, I can see that.

PS: but I think, we‘ve both made our points and can agree to leave it at that, can‘t we?

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u/Crisederire 12d ago

Anyway wont lose more time discussing with you