Indeed, worked out that I was pretty much working until July for the governement when I lived in UK .... now its more like mid-April ....

All I can think of is that it's dearer in Basel than in Bern. I am in a similar family situation and my bill is CHF1100 and they have included "exclusions" on several possible illnesses. I did shop around, 'twas not the absolute cheapest but suited me better on the cover provided. My highest quote was close to CHF 1300.

it's savings and it's yours so you can cash it out when you decide to leave switzerland. You can also use it as a guarantee to finance eventually your own house.

you're thinking pillar2 not AVH (pillar1)

Lob,
depends on your nationality (non-EU) to take it with you from June 1st this year.
Also your pension statement will show what you can put towards a property purchase either as cash or as a charge against the fund so you don't have to top it up again on sale.
Going thru the process myself at the moment (property).

Oh and of course from you can put it towards a company. For a personalunternehmung the pension doesn't have to be transferred, however if you make a gmbh the pension goes with it.

What's there to worry with 33% taxation ??


In the Netherlands, I paid 33% tax, without thinking about the slabs !!


Be cool Man...The logic is simple, the more you earn, the more you pay !!

If you pay 6200 bucks / year to 3rd pillar of your pension system (which is paid through your bank and not deducted at source), you can save some bucks for your summer / winter tours

you're talking about pillar2 here. I've pledged mine against a house purchase.

pillar1 comes off and you don't see it for many years (maybe never as more old people hang about stealing our pension contribs )

This is not rocket science. Tax is at the lower boundary of what you expected. the rest is normal social insurances.

If you were earning 121364 CHF you would reach the zero insurance threshold, and your problems would have been solved.

dave

You can still fill in a tax return if you are taxed at source. I have being paying into a 3eme pillar scheme so filed a tax return in order to be able to recieve the tax benefit I get by having this. You can also claim for travel and few other bits on this form such as medicla expenses so it is worth doing.

As other have mentioned your pension can also be used as a deposit toward a house and this can be either via pledging it or actually taking the money out of hte scheme. coming from the UK I personally find the tax burden to be far lower here. No regular council tax for example...