Fund Search & Optimisation (LPP / 2nd Pillar)

Muitos clientes têm fundos LPP/2º pilar dispersos (ex-empregadores, fundações, contas esquecidas) ou querem melhorar rendimentos/custos do que já têm. Eu ajudo a localizar, organizar e criar um plano claro.

I want to analyse / search for funds I have a question

Clear steps

Documentation & control

Costs & strategy

What we do for you

Locating funds, understanding your entitlements, and choosing the best strategy for your case.

No fine print

LPP fund search: we help identify where your 2nd pillar is (former employers / foundations / scattered accounts).
Organisation and consolidation: we gather documents and assess whether consolidating makes sense, to simplify things and reduce friction.
Entitlements and options: I explain when buy-ins, early withdrawal (e.g. for a home) and tax implications (where applicable) are possible.
Optimisation: we analyse costs, investment strategy (where applicable) and more efficient alternatives for your profile.

Important: O foco e clareza, custos e estratégia para decidir com seguranca (e evitar erros caros).

Find

Map out where your LPP funds are.

Consolidate

Organise for better control.

Optimise

Reduce costs and increase efficiency.

Perfect for:anyone who has changed jobs several times, left/returned to Switzerland, has “lost” letters/funds, or wants to understand whether their LPP and other funds are in the right place.

Send request I have a question

How it works (3 steps)

Fast, objetivo, com checklist para não perder tempo.

Minimal paperwork

Send whatever you have (letters, certificates, last employer) + 2–3 key details.

Analysis and mapping

I identify where your LPP funds are, what exists, and what your realistic options are.

Action plan

You receive a simple recommendation: consolidate / keep / transfer / adjust, with next steps.

I want to proceed

To speed things up, please prepare

• Last employer’s name / employment periods
• Letters or certificates from foundations (if any)
• Goal (retirement, home, organisation, costs)
• Canton + permit (where relevant)

FAQ (LPP / Funds)

What is LPP / the 2nd Pillar?

It’s the occupational pension savings tied to employment in Switzerland. When you change jobs, the capital can go into a vested-benefits account/foundation.

How do I know if I have “lost” funds?

If you’ve changed jobs, left the country, or received letters from foundations, you may have vested-benefits capital. I help map it out and organise it.

Is consolidating always better?

Not always. It depends on costs, conditions, strategy and needs. I compare before making a recommendation.

Can I withdraw my LPP funds?

There are rules (e.g. buying a home, permanently leaving Switzerland in certain cases, retirement). I explain what applies to your case.

Request

Avance quando quiser.

O pedido abre num formulário assistido. Pode enviar só com os dados principais ou continuar para um pedido detalhado.

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Procura e rentabilização de fundos No obligation

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