Hello everybody,


I will move soon from Switzerland to Germany. Can anybody tell me what I should do with my pensions funds?

Thank you very much in advance

Elias

I need the same information, please let me know if you got any guidance. Should I get refund or transfer to Germany is profitable (if possible). Thanks

I think that your pension contributions will be automatically be transferred to the German state pension fund.

Your AHV or AVS contributions remain here until you are retired, after age 62.

Your second pillar company pension will also remain here until you are 62. You can choose a fresh Swiss investment company for these vested benefits, but under EU rules you cannot normally take the fund with you. This is also better for you, as a cash payout will always be lower than a matured investment.

Many financial advisors will try and sell you life insurances etc, which bring them good rewards, but aren't very good for you. I was recommended this company as giving honest and independant advice,

http://www.vermoegenszentrum.ch/

Why do you think that?

Pillar 1 will entitle the OP to a CH state pension.

Pillar 2 you will have some choices, it's a private pension, nothing to do with any state.

Not true in most cases in CH as the funds are 100% cash or equivelants, Unless you mean loss of future interst.

People can take 100% of Pillar 2 to buy their main home in CH or the EU without deductions. The same is true if the become 100% self employed & stay in CH.

If you change job in CH 100% of Pillar 2 must be transfered to new employer or to your own fund if you dont have a new job to go to,

Of course with Pillar 3 they may have been stuffed with life insurance so anything is possible.