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| My advise as a Swiss living in Africa.
Dont withdraw yr AHV!
If you have to take out yr bvg ok but thats also not such a great idea?
Why? Ahv stays forever & when u r pensioned or disabled u get something. If possible continue paying in. If u work in EU yr pension there can be combined with ahv. (Eu agreement)
Bvg has good interest ( better than 0) | |
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If you are eligible to continue paying in when abroad then you have to pay the full contribution of employee and employer on your total worldwide income - about 11-12%. This is a big sum to pay potentially and will not be worth it to everyone. When we lived abroad we opted not to pay this as would not payback and preferred to put money aside for a 2nd pillar but back and relative tax deduction.
So do the math and evaluate if it’s worth it to you is my advice.