That's a shame. Oh well, back to your other options then!

Thanks for getting back to us, the information may be helpful for someone else.

Anyone know what the current best Freizugigkeitskonto would be for someone returning home for a year or two?

I currently have a Baloise pension fund who seem to change 30 Fr a month for a Freizugigkeitskonto for those with a non-CH Domizil.

I would like to invest it in funds, potentially withdraw it but it is not much money, maybe 100k, so not really worth the account being in SZ.

Hi everyone, I used to live in Switzerland until 2019. I have accumulated 5 years of second pillar contributions. In 2020 I moved to the United States and, at least in the beginning, I left my second pillar contributions with the company to which they were paid. They reached out to me recently, telling me that I can only keep them there up to 2 years, after which I should move them somehow or they will do it.

I was reading in previous posts that there are several limitations for US citizens: do they also apply to EU citizens living in the US?

Based on your experience, what's the best solution for me? I don't need that money now and withdrawing it to move it to the US might trigger a fairly high taxation. I don't know if I will ever go back to CH, but in general I am fine with leaving the money in CH as long as I can earn some interest.

Which account would you recommend or, in general, what would be the best way to invest that money? It's not too much (~30k CHF), but still worth thinking about it!

Thanks a lot!

You should be able to take it all as cash & invest as you choose.

Yes a Compte de Libre passage is required to be opened. You can also invest in some market funds to earn better yield. What kind of interest has been paid since you have left because after 2 years they might be paying you a very low interest depending on the company you were with. You can ping me and I can guide you on the process.

Research "Valuepension" which is the best option in my opinion - low fees and has the possibilty to invest 99% in international equities, a bit like US401k plan. Money will grow tax free and over 20 or 30 years the 30k can become 120k - 240k or more. Close 2nd option is "Viac".

Thanks a lot for your replies. If I decide to open such type of accounts, do I need to pay any taxes in CH and/or USA for moving money from where it currently is to the new account?