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Old 23.11.2015, 16:52
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- Moving back to Portugal

Good afternoon all,

After a year and a half in Switzerland, i'm going back to my family and friends back in Portugal.

I know that is several things to get done and until now:

- Informed the Gemeinde of my definitive date of departure,
- Passed all the info to my health insurance company,
- Cancelled the internet from the date of departure onwards,
- My flat is sorted and already has a new tenant.

My only concern is about my pensions. Since i'm here for 1y and a half and Portugal belongs to the EU, i've read that the pensions could not be retrieved until 5 years before my retirement age (60 years, they say).

I'm confused, even upon reading this article: https://www.sem.admin.ch/dam/data/se...zialvers-e.pdf

As I understand that there are two thing to be taken in attention:

- My entitlements under the AHV/IV/EO;
- My entitlements under the occupational retirement scheme (2nd pillar);

I’m a little confused, even with the PDF, on what should I do with each point and I don’t know what the occupational retirement scheme refers to.

Can someone clarify me ?

Thank you so much in advance !
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  #2  
Old 27.11.2015, 23:46
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Re: - Moving back to Portugal

I'm a portuguese girl that used to live in Switzerland and just got back home... I'd like to help you although I'm not sure what you mean by pensions. It's probably what we call "2ş/3ş pilar"?

I don't know a lot about it because I was told I didn't have that as I was only 21 at the time (turned 22 today )... but my sister is older than me, she came back to Portugal before me and I know there's something she could only retrieve by the time of her retirement. I don't know if it's the same thing you're talking about though :/

Let me know if I can help you... if you want I can ask her to explain it better
Good luck with your move. May you spend less money than I did ahahah
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Old 28.11.2015, 00:04
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Re: - Moving back to Portugal

May I ask why that decision?
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Old 28.11.2015, 00:06
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Re: - Moving back to Portugal

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May I ask why that decision?
Long story. See her thread here: RAV Oerlikon - help!
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Old 28.11.2015, 00:06
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Re: - Moving back to Portugal

In my case, lots of reasons... but you're probably not asking me so... xD
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Old 28.11.2015, 00:07
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Re: - Moving back to Portugal

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Long story. See her thread here: RAV Oerlikon - help!
My reasons are not really about what's in that thread... at all x)
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Old 28.11.2015, 02:15
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Re: - Moving back to Portugal

I am asking you both.
Don't get me wrong, I'm looking for gossip.
I'm relocating to CH this January and I'm trying to learn as much as possible.
Learn from other people's mistakes / experience if you will.
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Old 28.11.2015, 13:17
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Re: - Moving back to Portugal

This may help explain the pension stuff.

https://www.ch.ch/en/withdraw-pension-early
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Old 01.12.2015, 01:04
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Re: - Moving back to Portugal

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I am asking you both.
Don't get me wrong, I'm looking for gossip.
I'm relocating to CH this January and I'm trying to learn as much as possible.
Learn from other people's mistakes / experience if you will.
Well in my case it was a lot of reasons like I said... first of all, I moved to Switzerland for the wrong reasons (I was kinda forced to do it due to financial problems), and I was completely alone there. Of course I made a few friends there with time but not many... I would say the circumstances weren't ideal, although I won't say it was all terrible. I did have good moments

Anyway... the thing with me was that when I arrived to Switzerland I knew deep down that I wouldn't stay for a long time so although I made a few friends, it just didn't feel right. I guess some places are just wrong for you, no matter how you try! And I did try x)

At first I was in a small village and then I moved to Zürich thinking things would be different, especially regarding my social life. I have a very good social life in Portugal and it was just terrible in Switzerland xD
I met a few people in Zürich but then I had to deal with a different problem... especially money related but not only that. So, like I said, Switzerland is just wrong (for me) xD

Now, I always fight for my dreams. Switzerland was never one of them x)
Despite everything, there was happy moments and in those moments I confess I considered staying there... at least staying longer than I did. For some reason, a lot of those happy moments ended up being hard lessons I needed to learn... and instead of reasons to stay, they were reasons to leave. I'm happy to say that my time there opened my eyes for a lot of important stuff and I'm now following my heart's desire... which, if you ask me, won't mean staying in my home country. I'm here now because I have stuff I need to do before I leave my home again... important stuff that I wouldn't be able to do in Switzerland because of money and of course because I didn't have my family to support me there... so I decided to come back and do it here. When it's done, I'll be far away again, but this time if everything goes as planned, it will be my decision... and not because I couldn't pay college.

So anyway... I think Switzerland is a really good country, just not for me
Nevertheless, I do miss a lot of moments and a lot of people and I think I'll keep that country in my heart forever. No matter how many times I said I hated it I would go back in time just for a little bit to feel some of those moments once more
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  #10  
Old 01.12.2015, 03:53
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Re: - Moving back to Portugal

Thanks for opening your heart Jess.
I wish you all the best.

BTW this line "I'm looking for gossip" should read "I'm not looking for gossip"

Dunno how that slipped me.
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