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Old 20.11.2011, 12:29
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Moving from Switzerland to Germany: Pensions?

Hello everybody,


I will move soon from Switzerland to Germany. Can anybody tell me what I should do with my pensions funds?

Thank you very much in advance

Elias
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Old 11.04.2012, 08:59
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Re: Moving from Switzerland to Germany: Pensions?

I need the same information, please let me know if you got any guidance. Should I get refund or transfer to Germany is profitable (if possible). Thanks
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Old 11.04.2012, 09:01
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Re: Moving from Switzerland to Germany: Pensions?

I think that your pension contributions will be automatically be transferred to the German state pension fund.
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Old 11.04.2012, 10:44
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Re: Moving from Switzerland to Germany: Pensions?

Your AHV or AVS contributions remain here until you are retired, after age 62.

Your second pillar company pension will also remain here until you are 62. You can choose a fresh Swiss investment company for these vested benefits, but under EU rules you cannot normally take the fund with you. This is also better for you, as a cash payout will always be lower than a matured investment.

Many financial advisors will try and sell you life insurances etc, which bring them good rewards, but aren't very good for you. I was recommended this company as giving honest and independant advice,

http://www.vermoegenszentrum.ch/
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Old 11.04.2012, 10:45
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Re: Moving from Switzerland to Germany: Pensions?

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I think that your pension contributions will be automatically be transferred to the German state pension fund.
Why do you think that?

Pillar 1 will entitle the OP to a CH state pension.

Pillar 2 you will have some choices, it's a private pension, nothing to do with any state.
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Old 11.04.2012, 10:53
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Re: Moving from Switzerland to Germany: Pensions?

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This is also better for you, as a cash payout will always be lower than a matured investment.
Not true in most cases in CH as the funds are 100% cash or equivelants, Unless you mean loss of future interst.

People can take 100% of Pillar 2 to buy their main home in CH or the EU without deductions. The same is true if the become 100% self employed & stay in CH.

If you change job in CH 100% of Pillar 2 must be transfered to new employer or to your own fund if you dont have a new job to go to,

Of course with Pillar 3 they may have been stuffed with life insurance so anything is possible.
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