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Old 08.04.2013, 14:11
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How to apply for pension when leaving switzerland after 30 years

Can anyone tell my husband and I how do you start the process of taking your pension out when leaving switzerland to go back to England and how long the process takes thanks
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Old 08.04.2013, 14:37
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Re: How to apply for pension when leaving switzerland after 30 years

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Can anyone tell my husband and I how do you start the process of taking your pension out when leaving switzerland to go back to England and how long the process takes thanks
It will depend on if you have reached retirment age or not.
Taking your pension has changed if the country is in the EU or not.
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Old 08.04.2013, 14:46
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Re: How to apply for pension when leaving switzerland after 30 years

No not reached retirement age , got another 11 years to go yet. Reading on some of the forums it seems you can transfer your pension or leave it here then get it sent to you when you retire. Whats the other lump sum you can get back either if you buy a property or a business and what I thought was if you left the country. Thanks for your reply
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Old 08.04.2013, 16:25
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Re: How to apply for pension when leaving switzerland after 30 years

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No not reached retirement age , got another 11 years to go yet. Reading on some of the forums it seems you can transfer your pension or leave it here then get it sent to you when you retire. Whats the other lump sum you can get back either if you buy a property or a business and what I thought was if you left the country. Thanks for your reply
From what I have been told, you can no longer get a lump sum if you are going to an EU country, that the pension is transfered to the EU country and becomes part of your EU pension.

For this reason I gave my home country as outside the EU when I arrived in Switzerland. If you have not already de-registered, seek some advise before you de-register. You could be retiring to your apartment in Egypt etc.
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Old 08.04.2013, 16:31
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Re: How to apply for pension when leaving switzerland after 30 years

This Post may help..

Swiss pensions consolidated summary
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Old 08.04.2013, 16:32
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Re: How to apply for pension when leaving switzerland after 30 years

Pillar 2 can be transferred to a UK pension.
AHV cannot be taken to the UK but you'll receive money once you retire.

The only ways to get your pillar 2 out in cash is a) early release for home ownership and b) going to a country where transfer is not possible.

IIRC 1997 saw a load of contractors leaving so that they could take their pillar 2 as cash. That's when it all changed.

As you're asking these questions and seem to have lost some duplicate threads today, I'll assume you have no pillar 3a.
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Old 08.04.2013, 19:52
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Re: How to apply for pension when leaving switzerland after 30 years

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Pillar 2 can be transferred to a UK pension.
AHV cannot be taken to the UK but you'll receive money once you retire.

The only ways to get your pillar 2 out in cash is a) early release for home ownership and b) going to a country where transfer is not possible.

IIRC 1997 saw a load of contractors leaving so that they could take their pillar 2 as cash. That's when it all changed.

As you're asking these questions and seem to have lost some duplicate threads today, I'll assume you have no pillar 3a.
This is already covered in the thread referenced above. However, this paper is worth a read - it's pretty clear http://www.ahv-iv.info/andere/00134/00224/

With pillar 1 - the contribution stays in Switzerland until retirement, then you claim a pension from Switzerland

With pillar 2 - it is more nuanced that stated by many. Since Jan 2007 you cannot take you 'mandatory' insured pension if moving to an EU/EFTA country where you would be required to contribute to a state pension insurance. Note: anything you have above the mandatory level can still be taken in cash. Also, if you are not required to contribute to pension insurance in your new country (can depend on your employment status) you can still take the whole amount. I believe there is a blocking period of 3 years on any super-mandatory contributions.
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