Since I come from a country that does not have a social security agreement with Switzerland, I understand I can get my AHV contributions back when I leave Switzerland for good. 5.05% of my salary for all these years? GREAT!
But ..
I've discovered this clause:
Amount reimbursed is LIMITED to the present value of the pension that the employee would have accrued during the same period if he/she would be a swiss citizen. With this limitation, the amount paid is very often much lower than the contributions. How do I calculate the present value of the pension that I would have accrued? Should I just divide the amount I had in mind by 5 or something?