How to find Swiss LPP pension assets after working in Switzerland
Changing employer can also move your occupational pension. After several Swiss jobs or a return to France, the difficult part is often reconstructing the full chain rather than proving that the money existed.
Why assets become difficult to trace
When employment ends, the termination benefit normally moves to the new employer’s pension fund or to a vested-benefits solution. Without clear instructions, separate accounts can remain outside your current overview.
A useful search starts with employers, pension funds, exit dates and every vested-benefits account or policy you can identify.
What to check
The aim is to connect transfers and confirm that each institution received the expected benefit.
- Pension funds linked to former employers
- Vested-benefits accounts opened between jobs
- A possible transfer to the Substitute Occupational Benefit Institution
- Documents missing before retirement or departure
Useful information to get started
1List of Swiss employers
2Approximate start and end dates
3Available LPP certificates
4Vested-benefits correspondence
5Details of the current pension fund
Short answers before going further
Are unlocated LPP assets lost?
No. They may be held by a former pension fund, a vested-benefits institution or the Substitute Occupational Benefit Institution.
Can Jadéo locate the money directly?
Jadéo organises the facts and useful checks. Official institutions must confirm where each asset is held.
Official sources
Rules can change. These links let you verify information with the competent organisations.
Reviewed on 20 July 2026. This guide is educational and does not replace personalised professional advice.