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Old 02.11.2015, 17:30
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Left Switzerland - Lost in pillars! Please Help!


I lived and worked in Switzerland between mid 2012 and beginning 2015.
I had a permit B. I'm 42 years old.

Big mess, the first company requested an AVS with my home country address. Couple of months later (and me still lost in bureaucracies), Assura requested a second AVS (Later I asked to merge the two and I believe that was solved)

As a consequence, when I moved from my first employer to the 2nd employer, not being aware of the problem, I gave them my second AVS number (correct one, from Swiss address).

During my second job, I thought that I was going to keep living in Switzerland and I accepted an offer to create 3rd Pillar.

After 1 year and half, unexpectedly my contract was finished and after couple of months without job, I've accepted an offer to move to the Netherlands (with my family).

I left Switzerland 6 months ago. I've informed the "commune", cancelled bank account and cancelled all utilities accounts. Great! The only open questions were taxes and pillars.

Being Netherlands part of the EU, I know that I can't take my 2nd pillar.
Regarding the 3rd pillar, I was told that I'd lose a lot of money if I'd cancel my contract (Like almost 50% of what I have deposited... let's say from 11K I would get 6,5K), and the best would be to keep depositing money.

Also the Insurance company for the 3rd Pillar, told me that I should move my 2nd Pillar to them to avoid extra costs.

To finish in great style I just got a 2k Bill for 2014 taxes when I thought that all I had to to was to pay my standard taxes every month, from my Salary, and with 3rd pillar I could even receive some money back.

Can you please confirm that is normal to pay like 2K of taxes when your wife doesn't work, you have two dependent kids (aged 3) and 3rd Pillar? (probably this question without figures it's too general to be answered)

What is the best procedure regarding 2nd and 3rd pillars:
- For the 3rd pillar there is no way to stop the contract without losing so much money? (probably it's written somewhere in the long contract... in french)
-For 2nd pillar with my two messy AVS numbers shall I open a "police de libre passage"?

Thank you in advance for your help

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Old 02.11.2015, 17:50
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Re: Left Switzerland - Lost in pillars! Please Help!

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Being Netherlands part of the EU, I know that I can't take my 2nd pillar.
You might well be able to take your second pillar as cash, being in the EU has nothing to do with it. The question is do the Netherlands require compulsory (2nd Pillar equivalent) insurance. I don't as yet know any country other than Switzerland that does require this for employees but not self employed.

You should google Swiss LOB guarantee fund, fill in the form & send it to Bern. I cashed out my second pillar this year.

Oh & by the way, my pension provider kept telling me I could not take it as I was leaving for the EU.....
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Old 02.11.2015, 19:14
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Re: Left Switzerland - Lost in pillars! Please Help!

You can cash out your 2nd pillar when you emigrate or buy a house (there are some threads that explain this here on EF have a look at them, what the 3rd pillar insurer told you is really fishy).
For the 3rd pillar, read the contract, but you have to pay the taxes you didn't pay by putting money in it so that's one thing, then i don't know if and what the insurer adds on it. The broker should tell you the break down of the costs.

2k of taxes for one year doesn't mean much not knowing your salary. i put a similar profile in comparis with 80k per year of taxable income (so deduction already accounted for) and it gave 10k taxi, have a go at it: https://en.comparis.ch/steuern/steue...h/default.aspx
the fact that you have two children doesn't mean you pay less taxes, but you receive them back as money, it's a form of income redistribution.
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