Vested benefits account: How can I grow my cash holdings even without interest?

Pensions from the second pillar are constantly decreasing. That is why working people today are more reliant than ever on their pension balances growing despite low interest rates. People investing their money in securities often have tens of thousands of francs more to live off in their old age. In a low-interest-rate environment, a vested benefits account only makes sense if you cannot accept any fluctuations in value – or if you only want to park your money for a short time.