Capital withdrawal in the case of self-employment

Capital withdrawal in the case of self-employment

You are becoming self-employed and wish to withdraw your pension capital

Occupational retirement provision is not mandatory for the self-employed. So, if you become self-employed you can have the pension capital that you have saved paid out in cash within one year of the time when you take up self-employment in your sole proprietorship or general partnership. For this purpose, we require evidence that you are self-employed in your main occupation.

Advantages of cash payment

  • Capital is readily available for setting up a business
  • No interest burden through loans
  • No credit check by a bank

Disadvantages of cash payment

  • No benefits from occupational retirement provision in the case of an insured event
  • No interest credit on the retirement savings capital that has been withdrawn

How to proceed

Whether you are already self-employed or are currently planning on becoming self-employed, you can send us the necessary documents so that we can transfer your departure payment immediately on the date of your departure.

  1. Please send us the following documents for the cash payment for your departure:

    Confirmation from the AHV compensation office
    Cash payment of the departure payment

    Further requirements depending on your marital status:

    If you are married
    Signature of spouse or official life Partner

    In the case of cash payments of more than CHF 50,000, your spouse's signature must also be certified by a mayor of the municipality or a notary

    If you are unmarried
    Proof that you are unmarried (evidence of marital status)
  2. Please send your complete documents to:

    Zurich Insurance Company Ltd
    Help Point BVG
    P.O. Box
    8085 Zurich

Please note

  • Please note that we need notification of your departure from your employer in order to transfer the departure payment.
  • You must submit the two documents "Confirmation from the AHV compensation Office" and Cash payment form at the same time.

Next steps

As soon as we have received and reviewed the notification of departure from your employer and your complete documents regarding payment, we will transfer your departure payment and send you written confirmation by mail.

Other social security rules apply to the self-employed. Make use of our comprehensive pension planning so that you are optimally insured in this phase of your life.


Learn some interesting facts and a few tips and tricks in connection with the occupational retirement provision.

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