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  #21  
Old 27.03.2021, 10:43
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Re: Second pillar costs and consolidation

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When you join a new company one of the forms included in the starter pack is a form that you are to use transfer your existing savings to the new pension fund and it is stated there.

Nobody in officialdom cares because the only people impact by your failure to do so is you and your dependents. You’ll be under insured in terms of incapacity and death benefits and unable to access any of the other accounts until you reach 60 years of age.
Never had a starter pack from any pension scheme in CH, just annual statement. I never worked for large corporations.
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  #22  
Old 27.03.2021, 12:53
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Re: Second pillar costs and consolidation

2nd pillar must be transferred to new employer's pension fund by law.

Every website that explains the Swiss pension system will have the information.

Some info (sorry, in French):

Si vous êtes assuré(e) dans le 2e pilier et que vous changez d’employeur,
vous restez en principe assuré(e) obligatoirement, et votre prestation de
libre passage doit être transférée auprès de la caisse de pension du nouvel
employeur. Ce transfert est obligatoire.

https://www.bundespublikationen.admi...AC42AD2275.pdf
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  #23  
Old 27.03.2021, 13:16
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Re: Second pillar costs and consolidation

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2nd pillar must be transferred to new employer's pension fund by law.

Every website that explains the Swiss pension system will have the information.

Some info (sorry, in French):

Si vous êtes assuré(e) dans le 2e pilier et que vous changez d’employeur,
vous restez en principe assuré(e) obligatoirement, et votre prestation de
libre passage doit être transférée auprès de la caisse de pension du nouvel
employeur. Ce transfert est obligatoire.

https://www.bundespublikationen.admi...AC42AD2275.pdf
So what happens if you have multiple employers for a few days, when none are required to pay pension contributions but most do, for example 'freelance workers' in the film industry?
There have their own pension scheme http://vfa-fpa.ch
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  #24  
Old 27.03.2021, 13:28
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Re: Second pillar costs and consolidation

If you are freelancer then you will have to take care of your own 2nd pillar (for example with the link you provided).

If you make less than 25'510 chf and you are employed, then you won't be paying into your second pillar.

If you have more than one employer and you make more than 25'510 chf (combined earnings), then you can ask to join a second pillar : https://www.ciepp.ch/en-US/web/ciepp...r%C3%A9voyance.

OP can contact the 2nd pillar headquarters (http://www.verbindungsstelle.ch/xml_...cation/f71.cfm) and get help in reuniting all his various 2nd pillars.

Again, since 1995 it is mandatory to only have 1 second pillar. Exception: if you have 2 part time jobs (let's say 50%) and you are paying into second pillars on both (still, not an ideal solution).
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  #25  
Old 27.03.2021, 13:46
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Re: Second pillar costs and consolidation

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If you are freelancer then you will have to take care of your own 2nd pillar (for example with the link you provided).

If you make less than 25'510 chf and you are employed, then you won't be paying into your second pillar.

If you have more than one employer and you make more than 25'510 chf (combined earnings), then you can ask to join a second pillar : https://www.ciepp.ch/en-US/web/ciepp...r%C3%A9voyance.

OP can contact the 2nd pillar headquarters (http://www.verbindungsstelle.ch/xml_...cation/f71.cfm) and get help in reuniting all his various 2nd pillars.

Again, since 1995 it is mandatory to only have 1 second pillar. Exception: if you have 2 part time jobs (let's say 50%) and you are paying into second pillars on both (still, not an ideal solution).
So are you saying it was a problem or not?

For info, I was sacked & they automatically transferred my pension to a free passage account. The following month they paid contributions to the FPA pension as they needed me to work for them for 6 days, they had to pay more that a months pay for my services

I had 15-20 jobs paying into FPA, why was that not ideal? Not a single one had a legal requirement to pay. The only company that failed to pay pension contributions was Swiss Television, needless to say I never bothered to work for them again.
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  #26  
Old 27.03.2021, 14:10
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Re: Second pillar costs and consolidation

As other posters have mentioned, having one single 2nd pillar helps in term of compounded interests and various insurances (death, etc.).

I have always been employed and always transferred 2nd pillar from one employer to the next, so not sure what's best here, I would call the 2nd pillar central just in case.

Good luck!
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