I went to Swiss life with my passport & was able to transfer out to another provider the following day. Swiss life have to be sure the money goes to the right person. A solicitor in the UK will certify documents for £5, same price for an affidavit.

Everybody who ever had a Swiss company pension will have paid for insurance & not just saving.

http://www.postoffice.co.uk/document...cation-service

This could be useful for you ajking

I don't see Ireland on the list of countries from the website - i'm curious if anyone has successful done that in this case?

TIA

Having recently been forced into early retirement (I'm 61) I have decided to take the pension. Two reasons: 1) The company pension fund gives nearly 6% return and I've no idea how to even get close to that. 2) I'm a french resident and do not plan to move. The French take a huge tax gouge on cashed-out Swiss pensions crossing the border, which is disgusting as that money has already been taxed once.

Being the opposite of a financial wizard (hobbit?), I'd be interested to know if I've missed some money making wrinkle.

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Whatever works

French tax is nasty if you have a large income, if you have a moderate income & 4 kids you pay very little.

Perhaps you should move away from France for 1 year to cash in your Swiss pension. in Malta you would not be taxed any extra unless you brought the money to Malta. Bring enough to live on for a year (or enough for 190 days) & your tax problem will vanish.

True. With four kids, tax is wonderful, but even for a married couple with only one worker, the French are very kind = tax bill divided by two.

The Maltese wrinkle is interesting, but I'd still be left with my financial incompetence, compared to the 6% return of the pension fund. Also, I didn't enjoy Malta when I visited, anyway :-).

'Moving' to CH for 6 months & a day would probably pay off, you would need to check the canton tax software first .

Good advise in my view. Any ballpark figure in mind?

People with jobs earn 1k Euro a month net, 2k a month makes you quite well off x 6 months = 12k Euro ballpark.

Does anyone know if it is possible to access your 2nd pillar if moving to Ireland? There is apparently a form that would be sent to the authorities to determine if i'm eligible (but this only happens if i have confirmed that i am moving). Would love to know how to find out if its possible before i start the move process.

TIA

If you look at FMF's link in the first post?

http://www.sfbvg.ch/xml_3/internet/E...on/d51/f62.cfm

That's the place to start. If Ireland has compulsory insurance though, I doubt you'd be able to do it. Still, never hurts to ask.

I actually did view that link and ended up e-mailing the e-mail address on that website to ask what the status of Ireland is. They just said the general EU form would be sent and that "The cash payment of the mandatory part of your pension fund is possible, if after leaving Switzerland you do not have social insurance in Ireland."

It would be great to know if anyone from has tried/looking into this..

I am not a European citizen, created a "vested interest" account at UBS for my pension money, and was informed that I just need to submit my deregistration document informing where I will move. If I move to the EU, the non-compulsory part can be transferred to any account that I give them, while the compulsory part will remain in Switzerland until:
1. 5 years before retiring age if I remain in the EU
2. I leave the EU to relocate abroad.

The same applied to previous friends of mine who also worked at ETH Zurich.

I am going to be leaving Switzerland, to UK in the next month. Its confusing because of Brexit etc. I am a non EU citizen. Is there any way for me to get my pension paid into my account?

Thanks in advance for any help!

As of today the UK is still a member of the EU.

For details see the leaflets at: https://www.sem.admin.ch/sem/de/home...cherungen.html

That will depend on your employment status in the UK & if it's a requirement to be insured. If your unemployed or not looking to work then it should still work. The new workplace pension is the issue.

Hope it's okay to post to an old thread..

As someone who just few months ago started working in Switzerland and is planning to move back to EU (Lithuania or Estonia) in 2-3 years, I was wondering if I would be eligible to withdraw some of the pension?

Right now I see that every month I'm paying to the "AVS/AI/APG" and "LPP" funds. Plus rest of the mandatory ones (AC/LAA/LAmat/APG-M).

Would I be able to withdraw the AVS/AI/APG + LPP set upon permanently leaving?

If not due to the 'compulsory insurance' part (which I'm not sure if its a thing in the baltic countries in Europe) - then what would happen to these funds?

Cashing in pillar 2 / BVG,PK (German) / LPP (French) depends on your country of residence only, cashing in Pillar 1 depends on your nationality and country of residence. As an EU/EFTA citizen Pillar1/AHV (German)/AVS (French) cannot be cashed in.


Please have a look into the following informational leaflets and websites:

Different social insurances.
https://www.ahv-iv.ch/en/Social-insurances

Swiss social insurance system: Period of stay in Switzerland and departure
https://www.sem.admin.ch/dam/data/se...zialvers-e.pdf
Other languages: https://www.bsv.admin.ch/bsv/en/home...nd-depart.html

Information for Citizens of States with which Switzerland has not concluded a social security agreement (non-contracting states)
https://www.ahv-iv.ch/p/10.03.e

Leaving Switzerland and moving to an EU or EFTA member state
https://www.ahv-iv.ch/p/880.e

The voluntary old-age, survivors’ and disability insurance scheme
https://www.ahv-iv.ch/p/10.02.e

International social security agreements with Switzerland
https://www.bsv.admin.ch/dam/bsv/en/...80101%20EN.pdf
also
https://www.bsv.admin.ch/bsv/en/home...greements.html

Calculation of pillar 1 refund: Present value tables - Compensation for pensions owed, premium refunds taking into account the equity clause
https://www.bsvlive.admin.ch/vollzug...eu/category:23

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"Whoa, careful now. These are dangerous streets for us upper-lower-middle-class types. So avoid eye contact, watch your pocketbook, and suspect everyone."

I need to open a vested benefits account as I am unemployed. If I don't find a job within 6 months I will leave Switzerland and go to (probably) Spain as I have lived and worked there in the past and own an apartment there. Is there any particular vested benefits account anyone would recommend? Also, if I do move to Spain would I be able to bring all the second pillar with me? (I plan on using it to buy a new property to live in)

You can definitely use the money to buy a main residence.

Depending on your employment status & requirement for insurance you could possibly take as cash.