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  #41  
Old 15.01.2021, 21:00
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Re: Thinking of Moving to UK

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Not to derail the thread, but what about retired persons with a decent Swiss pension moving to the UK? Not to London or another big city, but for example, the West Country, South Coast, Yorkshire Dales?
I guess it depends on how you define "decent swiss pension". I lived in Yorkshire with less than 1200 euros on a student grant, with access to very cheap acommodation at the uni. But if you need to pay the equivalent to, for instance, 1500 chf to rent a house then you need more. What do you consider an average or "decent" pension? It is an open question to me, because like many expats I came in my mid thirties and I will get a partial first and second pillar payment corresponding to the years I live and work here. I don t make so much as to save an repay pension contribution gaps, so I will get the corresponding to 25-30 years of contributions.

How much do you get approx? With an average salary of 130 k per year...I calculated once using online tools and I believe that will give me ca 3000chf per month including the two pillars. Not much.
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  #42  
Old 16.01.2021, 11:09
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Re: Thinking of Moving to UK

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I guess it depends on how you define "decent swiss pension". I lived in Yorkshire with less than 1200 euros on a student grant, with access to very cheap acommodation at the uni. But if you need to pay the equivalent to, for instance, 1500 chf to rent a house then you need more. What do you consider an average or "decent" pension? It is an open question to me, because like many expats I came in my mid thirties and I will get a partial first and second pillar payment corresponding to the years I live and work here. I don t make so much as to save an repay pension contribution gaps, so I will get the corresponding to 25-30 years of contributions.

How much do you get approx? With an average salary of 130 k per year...I calculated once using online tools and I believe that will give me ca 3000chf per month including the two pillars. Not much.
I think, Mrs. D was probably referring to lifestyle on the assumption that the person was "comfortable" from a financial perspective. Many comments here have referred to life in larger agglomerations such as London (Manchester maybe) with higher crime rates etc., but not necessarily to "country life" in more rural areas, such as the ones that she mentions. I should imagine that Leeds, Brighton and Plymouth or Exeter are not exactly comparable with London, Manchester or Birmingham. Although I may be wrong, it's been a while...
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  #43  
Old 16.01.2021, 14:22
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Re: Thinking of Moving to UK

Irishone1


It is wintertime now in London. Pandemic far out weights brexit, that was done and dusted in a way nations could get on with dealing / coping with Pandemic now.


Sure there are ultra millionaires living within their estates, own conveniences; gyms, swimming pools, large cinema areas, horse stables with sufficient areas for inside / outside exercising in different parts of UK, mostly keep quiet about that.


For the rest of people like me, restricted to our home. Allowed out once a day for a walk with Social Distance, grocery shop, but requested to keep it down to a minimum. Medical appointments.
The other people who have to go to work, as not able to do the job from home; may travel to and from their place of work. In London could be travelling in peak times that Social Distance is ignored as people want to get to work quickly. Delivery drivers will be travelling around more.


Restaurants, pubs, clubs, most outside toilets, shut / closed.


There was a brief time last summer when above allowed to be open. We went to pubs daytime about three or four times. Sat on outside table, someone delivered drinks to table. Not allowed to mix with others in pub. Only joy for me, they had toilets. Slight lie, it was fun to do, but nowhere what it used to be. Briefly one music venue, Ronnie Scott's Jazz club open, then had to shut again.


This is the life now, perhaps you may wish to revise your question in the summer.
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  #44  
Old 16.01.2021, 14:25
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Re: Thinking of Moving to UK

I miss a lot of things about the UK, but whenever I go back, I can't see myself living there because it is just so grey and drab. There are beautiful parts... but they don't match up with where the jobs are.

If I had a career that allowed me to get a visa to work world-wide ..... I'd head for Australia, or maybe Canada.
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  #45  
Old 16.01.2021, 15:15
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Re: Thinking of Moving to UK

Island Monkey


add New Zealand to your list
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  #46  
Old 16.01.2021, 18:34
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Re: Thinking of Moving to UK

Same, I dont see myself ever moving back to the UK. I left for a reason and never to return. I have plenty of friends and family I left back in the UK but I made plenty of new friends here in Switzerland.
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  #47  
Old 16.01.2021, 18:37
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Re: Thinking of Moving to UK

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I miss a lot of things about the UK, but whenever I go back, I can't see myself living there because it is just so grey and drab. There are beautiful parts... but they don't match up with where the jobs are.

If I had a career that allowed me to get a visa to work world-wide ..... I'd head for Australia, or maybe Canada.
Well, as an American I loved my time in London. No doubt it is a lot different during this awful pandemic but then again so is everywhere else.
My work meant I was mostly in London but I did some theatre work in Bristol where I could easily have lived , however I was really impressed with the nearby town of Bath which was absolutely stunningly beautiful , easily as attractive as anywhere in Europe.
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  #48  
Old 16.01.2021, 19:27
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Re: Thinking of Moving to UK

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Well, as an American I loved my time in London. No doubt it is a lot different during this awful pandemic but then again so is everywhere else.
My work meant I was mostly in London but I did some theatre work in Bristol where I could easily have lived , however I was really impressed with the nearby town of Bath which was absolutely stunningly beautiful , easily as attractive as anywhere in Europe.
Bath is gorgeous. Also Oxford and the Cotswolds.
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  #49  
Old 16.01.2021, 19:52
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Re: Thinking of Moving to UK

Move to Scotland not England, they are more 'forward thinking' in Scotland and less stuck in the 'good old days'
down south.
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  #50  
Old 16.01.2021, 19:55
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Re: Thinking of Moving to UK

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Bath is gorgeous. Also Oxford and the Cotswolds.
I loved Bath. We were lucky to have a beautiful weather the day we visited it and it was superb. I also like Bristol, we have good friends who live in this area and have been there quite a few times.

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My work meant I was mostly in London but I did some theatre work in Bristol where I could easily have lived , however I was really impressed with the nearby town of Bath which was absolutely stunningly beautiful , easily as attractive as anywhere in Europe.
Yep, felt the same way.

No intention to move there as our life is in CH, but yeah, I agree.
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  #51  
Old 16.01.2021, 20:49
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Re: Thinking of Moving to UK

So much variety in UK, town, villages, regions ...for sure.

I actually prefer Cambridge to Oxford myself- and love the East Midlands and Rutland rolling hills, woods and hedges- and stone villages (Rutland is like the Costwolds but without the hordes of tourists, and real shops, rather thans souvenirs and cafés)- and busy towns but not too big. We absolutely love to go, still have a property there in a lovely market town- but would not live there now. Alwasy loved the Peaks and the Dales, as so reminiscent of my Swiss Jura moutains, limestone country.

But- horses for courses. For me though, there is something about the UK which has changed in last few Brexit years- which will be hard to replace. As said before, not about nostalgia of Ye Old Days- but of tolerance, openeness, acceptance of others- which I fell in love with and seems to have gone- hopefully to return one day?

Last edited by JackieH; 17.01.2021 at 15:59.
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  #52  
Old 16.01.2021, 21:29
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Re: Thinking of Moving to UK

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Switzerland has this myth of high wages. In reality wages here are flat, which means that people at the bottom of society get paid far more than they would in the US/UK but people at the top get paid far less than they would in the US/UK. For example, my friends at banks/fund managers in London/NYC are making high 6 figure/low 7 figure pay packages whereas in Zurich/Geneva banker pay really caps out in the low 200-300k range.

It makes sense to go to London/NYC if you want to compete against the best people in your industry and get paid based on performance/results. However, outside of those hyper competitive types, the average person has a better deal (financially at least) in Switzerland.
I agree on the bottom of society part however these high 6 figure London professionals take home only c.50% of their pay.

I would not be surprised to see the wealth accumulation of a 'capped' mid-level professional in Zurich/Geneva be greater than that of a London MD aside from enjoying a better lifestyle.

Also do you actually believe people get paid bonuses based on performance/results? Everywhere in the world it's purely politics.
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  #53  
Old 17.01.2021, 14:26
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Re: Thinking of Moving to UK

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I agree on the bottom of society part however these high 6 figure London professionals take home only c.50% of their pay.

I would not be surprised to see the wealth accumulation of a 'capped' mid-level professional in Zurich/Geneva be greater than that of a London MD aside from enjoying a better lifestyle.

Also do you actually believe people get paid bonuses based on performance/results? Everywhere in the world it's purely politics.
If you earn high 5 figures to low six figures the UK can be more tax efficient than it looks due to being able to invest large amounts into a pension (ok you can do that here but pillar 2 is a very poor product) - but at those levels yes tax is high and unavoidable.
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  #54  
Old 17.01.2021, 14:29
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Re: Thinking of Moving to UK

But ... it is not 'just' about money, surely. More to real life than how much you earn and how it compares to 'back home'.
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Old 17.01.2021, 14:41
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Re: Thinking of Moving to UK

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But ... it is not 'just' about money, surely. More to real life than how much you earn and how it compares to 'back home'.
Agreed - but it's a tough world out there and getting tougher. It will always be a significant consideration.

Once you are up earning several hundred k - yeah then it's turning into greed.
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  #56  
Old 17.01.2021, 18:28
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Re: Thinking of Moving to UK

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I made plenty of new friends here in Switzerland.
Congratulations, I wonder how many "expats" could say the same.
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  #57  
Old 17.01.2021, 19:18
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Re: Thinking of Moving to UK

Depends where I think. Zurich, Geneva- not easy. smaller towns, much better.

Certainly all the expats I know in this region and Canton, have plenty of local friends and are well 'integrated' as well as having 'expat' activities and contact.
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  #58  
Old 17.01.2021, 19:35
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Re: Thinking of Moving to UK

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Congratulations, I wonder how many "expats" could say the same.
Most that I know, but one had to make an effort, I think that's a good thing. Unlike elsewhere where people might hang with you merely because you speak English.
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  #59  
Old 19.01.2021, 08:14
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Re: Thinking of Moving to UK

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Most that I know, but one had to make an effort, I think that's a good thing. Unlike elsewhere where people might hang with you merely because you speak English.

It is certainly much easier to make friends in the Romandie.
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  #60  
Old 19.01.2021, 08:41
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Re: Thinking of Moving to UK

On trips to the UK, my son used to remind us that “The mud is muddier in the UK”.

Irrespective of the (un)cleanliness of the place, the UK is very diverse and offers a great lifestyle. But what we thoroughly enjoyed in our late twenties/ early thirties, we came to dislike, once kids came along. Fresh air and nature were what we wanted. Sure you get plenty of that in the UK, but where we lived in the South East, we’d need to drive a good hour to get some decent nature. And moving closer to nature, would mean either lower salaries or a long commute. Choices choices ������

Whatever you decide good luck to you and your family!
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