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Old 10.01.2013, 22:55
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I'm preparing to leave Switzerland in a few months

This is what I'm understanding so far: as a EU citizen, the funds that were paid on my 2nd pillar account will have to stay in Switzerland (unless I retire, use the funds to buy a house or start working as self employed).
At the moment I have just spoken with my bank, CS, about opening a 2nd pillar account.

If anyone has done the same when leaving Switzerland, what is the experience after a few years?

One more question: the bank asked me a "Freizügigkeit Abschluss" from my previous employer. I called the employer, and they told me that I need to request it personally to the company managing the pension fund (in this case Zurich Insurance).
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Old 14.01.2013, 05:06
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Re: 2nd pillar pension managed by bank

I have done it; nothing special about the account; its just like a low interest rate deposit account.
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Old 14.01.2013, 05:51
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Re: 2nd pillar pension managed by bank

The second pillar account at a bank should be considered as a temporary solution, usually the interest is minimal. It is frozen until you retire or transfer the balance to another recognised frozen account.

Zurich Insurance should be able to offer you a better long term contract.

Be careful! You might want to read some magazine articles: there are many, many investment schemes that offer everything, but deliver nothing.

http://www.beobachter.ch/geld-sicherheit/

http://www.ktipp.ch/themen/beitrag/1...tal_oder_Rente
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Old 14.01.2013, 08:23
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The second pillar account at a bank should be considered as a temporary solution, usually the interest is minimal. It is frozen until you retire or transfer the balance to another recognised frozen account.

Zurich Insurance should be able to offer you a better long term contract.

Be careful! You might want to read some magazine articles: there are many, many investment schemes that offer everything, but deliver nothing.

http://www.beobachter.ch/geld-sicherheit/

http://www.ktipp.ch/themen/beitrag/1...tal_oder_Rente
Mine is 45% invested in equities, over 20 years will do way better than a normal Swiss pension held mainly in cash
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