Kala 1.1.4

In Switzerland, over 55 billion Swiss francs remain unclaimed in vested benefits accounts. A significant number of citizens are unaware of their existence, despite approximately one in five individuals expressing concern about the issue.

The Swiss social security system mandates contributions to the second pillar throughout one's professional career. However, when changing employers, losing employment, taking a sabbatical, or emigrating permanently, individuals are often compelled to leave their pension funds behind, resulting in the accumulation of a benefit amount.

These benefits, commonly referred to as "vested benefits" or "termination benefits," are frequently managed across multiple institutions. With more than 1,500 pension funds operating in Switzerland, the process of locating these funds can be lengthy and cumbersome.

The Kala application offers an efficient solution by enabling users to search across all 1,500 pension funds through the Second Pillar Central Office — entirely free of charge. Upon discovering your accrued funds, you can initiate their transfer without leaving your home or incurring any costs.

Whether you seek to leverage your equity for a property purchase, plan your retirement, start a business, or simply satisfy your curiosity, this application provides a practical tool. It takes just three minutes to browser through 1,500 pension funds.

It is worthwhile to conduct this search; on average, each individual has approximately CHF 10,587 in unclaimed assets waiting to be retrieved.