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05.04.2011, 15:45
| Newbie 1st class | | Join Date: Jan 2007 Location: Luzern
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| | More info re pensions!
I am leaving CH very soon to return to UK and wanted to share some info with you.
I found pdf which can be found at link below v.useful (Info for Foreign Nationals). Also I found out from someone else who left to return to UK, that the amount that has to be left here (obligatory) can be used towards a deposit if you want to buy a house in UK. Funnily enough my pension dept at work did not offer this information (wonder why..!)
Pls note I only have info regarding move back to UK.
Hope this helps anyone else in same situation.
Jo http://www.bsv.admin.ch/themen/ueber...x.html?lang=en | 
05.04.2011, 19:06
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
Posts: 21,376
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| | Re: More info re pensions! | Quote: | |  | | | Funnily enough my pension dept at work did not offer this information (wonder why..!) | | | | | Hardly suprising as the Swiss don't very often buy their own property as it's never been a particually good investment here, partially due to tax on the rental valueof your own home & CGT on the sale.
Property is valued by land value + the cost of the house less depreciation.
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06.04.2011, 14:01
| | Re: More info re pensions! | Quote: | |  | | | I am leaving CH very soon to return to UK and wanted to share some info with you.
I found pdf which can be found at link below v.useful (Info for Foreign Nationals). Also I found out from someone else who left to return to UK, that the amount that has to be left here (obligatory) can be used towards a deposit if you want to buy a house in UK. Funnily enough my pension dept at work did not offer this information (wonder why..!)
Pls note I only have info regarding move back to UK.
Hope this helps anyone else in same situation.
Jo http://www.bsv.admin.ch/themen/ueber...x.html?lang=en | | | | |
As already meantioned here.
| This user would like to thank for this useful post: | | 
04.07.2011, 22:01
| Newbie 1st class | | Join Date: Mar 2011 Location: Riehen
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| | Re: More info re pensions!
Hi,
I am a little bit slow reader, so if someone read the document in the link carefully, please give yes or no to my question. If the answer is yes, I will read the document very carefully and make sure I will get all my money back.
When I came to switzerland I was told that if I pay 6%, company pays 12% on top of that and in the case I leave the country I will get everything at once. Obviously it is not that simple...
Finally, the question:
If I go back to Finland, is there a way to get all the money I spend for 2nd pillar (plus the money my company paid on top of that) back?
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05.07.2011, 00:20
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
Posts: 21,376
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| | Re: More info re pensions!
I suspect it's 6% and 6% making 12% in total!
If you buy a house or become 100% self employed in CH.
I wonder if you can become 100% self employed & leave CH the following month? | Quote: | |  | | | Hi,
I am a little bit slow reader, so if someone read the document in the link carefully, please give yes or no to my question. If the answer is yes, I will read the document very carefully and make sure I will get all my money back.
When I came to switzerland I was told that if I pay 6%, company pays 12% on top of that and in the case I leave the country I will get everything at once. Obviously it is not that simple...
Finally, the question:
If I go back to Finland, is there a way to get all the money I spend for 2nd pillar (plus the money my company paid on top of that) back? | | | | | | 
05.07.2011, 00:59
| Forum Legend | | Join Date: Nov 2009 Location: Vaud
Posts: 2,894
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| | Re: More info re pensions! | Quote: | |  | | | I suspect it's 6% and 6% making 12% in total!
If you buy a house or become 100% self employed in CH.
I wonder if you can become 100% self employed & leave CH the following month? | | | | | wait you get this if you become selfemployed also?
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05.07.2011, 04:40
|  | Forum Legend | | Join Date: Apr 2007 Location: romandie
Posts: 9,971
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| | Re: More info re pensions! | Quote: | |  | | | Hi,
I am a little bit slow reader, so if someone read the document in the link carefully, please give yes or no to my question. If the answer is yes, I will read the document very carefully and make sure I will get all my money back.
When I came to switzerland I was told that if I pay 6%, company pays [6%] on top of that [for a total of 12%] and in the case I leave the country I will get everything at once. Obviously it is not that simple...
Finally, the question:
If I go back to Finland, is there a way to get all the money I spend for 2nd pillar (plus the money my company paid on top of that) back? | | | | | Yes. (Ok, now go read carefully) ;-) | 
05.07.2011, 06:20
| Senior Member | | Join Date: Mar 2011 Location: Zurich
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| | Re: More info re pensions!
Isnīt Finland an EU country?
I think this (the 2nd pillar refund) only applies to non EU countries.
Am i wrong?
| 
05.07.2011, 09:14
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
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| | Re: More info re pensions! | Quote: | |  | | | Isnīt Finland an EU country?
I think this (the 2nd pillar refund) only applies to non EU countries.
Am i wrong? | | | | | That is correct, which is why being 100% self employed for a month seems like a good idea, if it works.
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05.07.2011, 17:06
|  | Forum Legend | | Join Date: Apr 2007 Location: romandie
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| | Re: More info re pensions! | Quote: | |  | | | Isnīt Finland an EU country?
I think this (the 2nd pillar refund) only applies to non EU countries.
Am i wrong? | | | | | Good point! I now have to change my answer to "No". You can't take the money if you move to a EU country. Only if you move out of EEA/EU. But it will be paid to you monthly when you retire as part of your pension.
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05.07.2011, 18:07
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
Posts: 21,376
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| | Re: More info re pensions! | Quote: | |  | | | Good point! I now have to change my answer to "No". You can't take the money if you move to a EU country. Only if you move out of EEA/EU. But it will be paid to you monthly when you retire as part of your pension. | | | | | You can also take all in cash upto 5? years before state retirement age.
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06.07.2011, 06:15
|  | Forum Legend | | Join Date: Apr 2007 Location: romandie
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| | Re: More info re pensions! | Quote: | |  | | | You can also take all in cash upto 5? years before state retirement age. | | | | | Where can you take it?
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06.07.2011, 11:06
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
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| | Re: More info re pensions! | Quote: | |  | | | Where can you take it? | | | | | As cash or you can start reveiving the pension.
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07.07.2011, 03:09
|  | Forum Legend | | Join Date: Apr 2007 Location: romandie
Posts: 9,971
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| | Re: More info re pensions! | Quote: | |  | | | As cash or you can start reveiving the pension. | | | | | You can take all of you cash out instead of having it paid out monthly? Can you be more specific? Where can you do this? In the EU/EEA, Finland? Where?
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07.07.2011, 03:29
|  | Forum Legend | | Join Date: Apr 2010 Location: Verbier
Posts: 21,376
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| | Re: More info re pensions! | Quote: | |  | | | You can take all of you cash out instead of having it paid out monthly? Can you be more specific? Where can you do this? In the EU/EEA, Finland? Where? | | | | | With the Swiss pension in general, you can take as 100% cash, you don't need to leave CH.
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