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058 211 21 00

(Mon. to Fri. from 7.30am to 7.30pm and Sat. from 9am to 4pm)
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Banque Cantonale de Genève
Quai de l'Ile 17 - CP 2251
1211 Genève 2

Fax : +41 58 211 21 99

CCP CHF12-1-2
CCP EUR91-518772-8
GIIN:   CGGLK0.00000.LE.756

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Vested benefits custody account

Vested benefits custody account

The vested benefits custody account allows you to invest all or part of your pension fund assets (2nd pillar) in Synchrony LPP funds.


  • Custody account maintenance free of charge
  • Capitalising on market opportunities
  • Choosing an investment strategy based on the risk profile
  • Investment that strictly complies with the legal framework for pension plans (OPP 2)
  • Capital not taxable until withdrawal
  The essentials Further information Contact us 
The essentials

An additional investment tool

The vested benefits custody account allows you to invest all or part of your pension fund assets (2nd pillar) in Synchrony LPP funds.

Synchrony LPP investment fund

The objectives of multi-manager Synchrony LPP Funds are to facilitate the most regular possible growth of your pension capital, while limiting risks through optimal diversification of investments according to profiles. They are managed by professionals who monitor, day after day, the performance of the investments made and the evolution of the financial markets. However, it is not possible to invest your vested benefit assets in the Synchrony LPP 80 fund.

Comparison of performances since 2013

This graph is provided for information purposes only. The information does not constitute an invitation or an offer to buy or sell securities or financial instruments. Past performance is no guarantee of future returns. Prior to any investment decision, investors must ensure that they are not violating the requirements applicable within their jurisdiction and must be familiar with the documents specific to the products concerned.
Further information
The vested benefits custody account is intended for persons with an investment time horizon of at least three years. As soon as the AVS retirement age is reached, Synchrony LPP funds can be held in an independent management custody account.


For as long as your pension assets are in the 2nd pillar, they are not subject to wealth tax. When you withdraw, your capital will be taxed at a reduced rate.


Withdrawal may only take place at the earliest five years before the legal AVS retirement age. Early withdrawal is only possible under certain conditions:
  • Financing / amortisation of a primary housing loan (possible every five years)
  • Definitive departure from Switzerland (restrictions apply to EU countries, Iceland, Liechtenstein and Norway)
  • Starting a self-employed activity
  • Your vested benefit assets represent less than your annual contribution to the occupational pension
  • You receive a full disability pension (70% minimum)
In the event of the insured person's death, the assets are paid to the beneficiaries.

Contact us

058 211 21 00
Monday to Friday
7.30am  - 7.30pm

9am  - 4pm

Exchange rates


EUR EUR Atm 1.079 
EUREUR 1.0877 cours euro en baisse
USDUSD1.0268 cours usd en hausse
GBPGBP1.3343 cours usd en hausse
YENYEN0.9216 cours yen en baisse
EUR EUR Atm 1.044 
EUREUR1.0347 cours euro en baisse
USDUSD0.9402 cours usd en hausse
GBPGBP1.2121 cours usd en hausse
YENYEN0.8507 cours yen en baisse

Indicative informations

BCGE group investment strategy

Stock market prices

BCGE 203.00 -0.49% cours en baisse
SMI 11,263.01 1.05% cours en hausse
cours action bcge Data source: SIX Financial Information SA
© 1999-2020 BCGE
   Banque Cantonale de Genève
   Case postale 2251
   1211 Genève 2
   Tél: 058 211 21 00