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Old 05.12.2013, 12:57
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Anybody moved permanently from DE to CH

If so, I wonder where you saw big cost differences in the CH, I mean under which topics.


Reason is I am thinking of moving the other way to maximise what value I get from my pension.


Currently it looks like
  • Property, food & restaurants more expensive in CH
  • Nebenkosten similar or higher in CH
  • income tax lower in CH; higher income allowance
  • Health insurance; oddly there is an EU rule that Swiss pensioners who move to an EC country must continue with Swiss health insurance
Thanks
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Old 05.12.2013, 14:57
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Re: Anybody moved permanently from DE to CH

Feel free to contact me I commute, working in Switzerland, spending the weekend in Berlin.
And yes, will do exactly the same when I retire.

Food, housing etc: loads cheaper unless you move to cities like Munich. Also depends where you live (north/south, east/west etc, country side, city)

Tax: consult a tax consultant as taxes in Germany can be quite steep and I have no idea how pensions are taxed

Health insurance: be happy if you can keep the Swiss one. In Germany you pay according to your income and with a healthy Swiss pension you could end up paying the maximum.
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Old 05.12.2013, 15:10
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Re: Anybody moved permanently from DE to CH

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Feel free to contact me I commute, working in Switzerland, spending the weekend in Berlin.
And yes, will do exactly the same when I retire.

Food, housing etc: loads cheaper unless you move to cities like Munich. Also depends where you live (north/south, east/west etc, country side, city)

Tax: consult a tax consultant as taxes in Germany can be quite steep and I have no idea how pensions are taxed

Health insurance: be happy if you can keep the Swiss one. In Germany you pay according to your income and with a healthy Swiss pension you could end up paying the maximum.

Great, thanks.


I was being lazy & hoping you (or someone) could suggest topics that I could research further.
I plan to stay fairly near Switzerland; probably in the Schaffhausen area so I can keep in touch with people.


If you work in CH & will get a Swiss pension you might also be forced to keep your Swiss health insurance. It might not be such a good deal as they have different rates for different EC countries, see Link below.


The laws around German health insurance are a real jungle


Some links about Swiss pensioners;
http://www.kvg.org/ikoo/fk-rentner.htm

http://www.aso.ch/de...erung-in-euefta


Link about Swiss insurance rates in EC countries here,
http://www.priminfo.ch/praemien/praemien_eu/EU.pdf
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Old 05.12.2013, 20:09
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Re: Anybody moved permanently from DE to CH

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Feel free to contact me I commute, working in Switzerland, spending the weekend in Berlin.
And yes, will do exactly the same when I retire.

Food, housing etc: loads cheaper unless you move to cities like Munich. Also depends where you live (north/south, east/west etc, country side, city)

Tax: consult a tax consultant as taxes in Germany can be quite steep and I have no idea how pensions are taxed

Health insurance: be happy if you can keep the Swiss one. In Germany you pay according to your income and with a healthy Swiss pension you could end up paying the maximum.

About "Tax: consult a tax consultant as taxes in Germany ......"


Did this; to paraphrase the answer; on my miserable pension then tax is not something I need to worry about
The majority of my pension comes from UK & the value in CHF has fallen around 1/3rd


Tax adviser also said that a lot of Swiss pensioners make this move.
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Old 05.12.2013, 22:20
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Re: Anybody moved permanently from DE to CH

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If so, I wonder where you saw big cost differences in the CH, I mean under which topics.


Reason is I am thinking of moving the other way to maximise what value I get from my pension.


Currently it looks like
  • Property, food & restaurants more expensive in CH
  • Nebenkosten similar or higher in CH
  • income tax lower in CH; higher income allowance
  • Health insurance; oddly there is an EU rule that Swiss pensioners who move to an EC country must continue with Swiss health insurance
Thanks
you might consider moving to Jestetten, which means savings about costs but still being in an outer suburb of Zurich

and Jestetten is on the S5 to Schaffhausen and to Zürich
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Old 05.12.2013, 22:47
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Re: Anybody moved permanently from DE to CH

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you might consider moving to Jestetten, which means savings about costs but still being in an outer suburb of Zurich

and Jestetten is on the S5 to Schaffhausen and to Zürich

& a good Chinese opposite the station.

Good idea; I did look in Jestetten & the area but so far did not see a flat that I liked.
A couple of nice looking flats in Lottstetten but in very old properties so there is always the fear that they will need an expensive new roof or similar.
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Old 05.12.2013, 22:53
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Re: Anybody moved permanently from DE to CH

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& a good Chinese opposite the station.

Good idea; I did look in Jestetten & the area but so far did not see a flat that I liked.
A couple of nice looking flats in Lottstetten but in very old properties so there is always the fear that they will need an expensive new roof or similar.
I have been in that Chinese place in Jestetten several times. It is really lovely
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Old 05.12.2013, 23:21
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Re: Anybody moved permanently from DE to CH

You could also move to the Jura, your pension would go much further there.
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Old 05.12.2013, 23:33
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Re: Anybody moved permanently from DE to CH

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You could also move to the Jura, your pension would go much further there.

& lots of Absinthe!!


BTW there is a great Saturday morning market in Jestetten on Saturday mornings; coffe & cakes is forsomething silly like 2 euros.
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Old 06.12.2013, 10:46
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Re: Anybody moved permanently from DE to CH

i moved from berlin to munich to zurich.
and all is more expensive in CH (except for sports, like a years pass for all pools in ZH, that is ridiculously cheap!!!), but i safe more at days end as my wage is higher. the rest i cant answer.
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