Frequently-asked questions

Knowing that the term "vested benefits" is not said in the same way in our 4 national languages, we decided to take a more fanciful name: Kala, which means "money" in Hawaiian.

Over 10 billion francs from pension funds, held in over a million accounts, are sitting in the Substitute Occupational Benefit Institution. These are record numbers. The fund organisations have been unable to find the account holders. Source

In Switzerland, we pay contributions to the 2nd Pillar throughout our working life. Should we change our employer, lose our job or leave Switzerland permanently, we are often obliged to leave our pension fund. These amounts that are termed "vested benefits" or "termination benefits" are generally spread across several institutions. As there are more than 1,500 pension funds in Switzerland, the search procedures are long-drawn out.

With Kala, you need less than three minutes to complete the administrative formalities to recover your mislaid funds. Besides, you will find the details of the amounts directly in the app.

With the profile management feature, you can enter your information easily and e-sign the requests with your finger directly on your mobile phone. You can also make requests for others and track the status of your search.

All these procedures are entirely free of charge and can be carried out without your leaving your couch.

Simply put, every time a termination or change of professional activity occurs, of which the most frequent cases are:

  • Change of employer
  • Unemployment
  • Sabbatical leave
  • Bringing up children
  • Divorce
  • Moving out of Switzerland permanently
  • You are not sure that your accrued funds have been transferred every time you changed or terminated your activity
  • You are looking for equity for your future house
  • You are looking for equity to start your own business
  • You wish to plan your retirement
  • You wish to plan your inheritance
  • One of your family members is deceased and you want to know whether they had any unknown accrued funds
  • You are just curious :-)
  1. The applicant can fill the request in Kala in less than three minutes. They would enter their contact information, OASI number, a copy of their identity card and signature.
  2. Once the applicant has made their request, it's over to Kala. We transfer your request electronically to the 2nd Pillar Central Office, along with a proxy. The 2nd Pillar Central Office scans 1,500 pension funds if matches are found between yourself and a pension fund. The 2nd Pillar Central Office sends us the results in writing. The applicant receives a letter at home and an e-mail when the results are available.
  3. The applicant can then proceed to repatriate their accrued funds directly from their smartphone, without leaving their couch.

The 2nd Pillar Central Office is the liaison office between the occupational benefit institutions (also called 2nd Pillar or LPP/BVG) and the insured. Its purpose is to reconnect the insured with the institutions. It does not manage any insured party account or any accrued funds. This service is funded by the Confederation and the searches are free of charge for the applicant.

Once you have validated your search request, all you need to do is to be patient! You will receive a push notification and an email when we have your results.

It may take several weeks to receive answers for requests. You must keep in mind that over 1,500 pension funds will be scanned. It generally takes 60 to 80 days to know the institutions in which your funds are hiding, and then an additional thirty days to repatriate them.

The asset search is completely free for Kala users.

Please be reassured that our company does not sell your data for marketing purposes. As a startup, our primary goal is to improve our application with your feedback.

The search for your assets, as well as the result, is completely free of charge. If you need help in repatriating your assets, the service will be charged. All the details will be given to you when the result is communicated to you, you will be free to accept or not the proposal, without any obligation.

Simply put, LPP/BVG, 2nd Pillar, occupational pension fund and pension fund organisation are synonyms and refer to the institution to which you pay your contributions when you turn 25. These contributions are divided equally between your employer and yourself.

This is your 2nd Pillar termination benefit. When you terminate gainful employment or change your employer, it is your responsibility to have your accrued occupational pension funds transferred to the new pension fund. The pension fund organisation of your former employer generally writes to you asking for the address of the new institution.

Quite frequently, the employee does not respond and omits to inform their former pension fund organisation about the institution to which the accrued vested benefits must be transferred. These are known as unclaimed funds. After a maximum period of two years, if the pension fund has not been notified about where to transfer the money, the accrued funds are transferred to an account at the Confederation Substitute Occupational Benefit Institution. This public institution manages the unclaimed vested benefits until their legitimate beneficiary comes forward. The interest rate of the Substitute Occupational Benefit Institution is 0.01% in 2022.

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