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Old 17.11.2016, 13:18
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2nd pillar investment funds

Hello,

I see a lot of post here regarding people leaving CH and transferring 2nd pillar contributions out of country. However very little on keeping funds in CH during period without a Swiss employer / fund.

I worked for a Swiss employer for about 5 years and built a reasonable 2nd pillar pot. When I left this job 14 months ago I moved the funds into a Post Finance "Compte Libre" (Freizügigkeitskonto) account.
https://www.postfinance.ch/fr/priv/p...ben/offer.html

This was meant to be a temporary place to park money, until taking another job when the funds would move to new employer. It originally paid 0.5% (hardly great) but has reduced to 0.2% today. The only upside is no fees or really risk to capital.

However my situation today is that I now work for a UK employer, spend 3 days week in London, 2 days working from home. I pay tax in UK, with CH declaration at end of year. My family continue to live in CH, my wife works these and we still own home.

Long term plan is still to find suitable employment in CH again but that might be at least another 12 - 24 months.

In meantime I'm trying to figure out a better thing to do with the 2nd pillar contributions I have in CH. Obviously there is all the risk / return questions - as getting anything better implies accepting some risk on the capital. Additionally it might be only in the fund for a relatively short period before moved out again to future employer (unless I decide to keep separate and start another one).

I'm trying to find a good site / broker which can give me some guidance. So far a few I turned up were:

http://www.compare-invest.ch/en/home.html
http://www.liberty-vorsorge.ch/en/ve...undation/home/

Wondered if anyone else out there has faced similar issues (possibly due to being self employed) and has some suggestions?

Many thanks

Richard
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