Individual pension solutions for companies and private individuals

A change of career in your mid-fifties? Whether you’re returning from abroad, have lost your job, starting your own business or taking a break, the second you stop working, your pension fund affiliation ends, and you’re left facing the question of what to do with your pension assets from the 2nd pillar. That’s what happened to Oliver Zimmer, who lived in the UK for 27 years and lectured at the University of Oxford as Professor of History from 2005 to 2021 before returning to Switzerland at 58 for family and professional reasons.

You would only need to delete one sentence from the BVG. Mario Lazzarini on forty years of the BVG, on rules nobody needs any more, and on what remains unfinished. When the BVG came into force in 1985, it was a lean piece of legislation and tax questions played only a minor role. Forty years on, occupational pension provision is unthinkable without tax law. Mario Lazzarini has seen this development from both sides of the table: first as Head of Pensions at the cantonal tax administration of Zug and a member of the Pensions working group of the Swiss Tax Conference, later as a tax specialist for PensExpert's clients. On 21 September he will give his final lecture for us. A good moment to talk about what has been achieved and what has been left undone.

Losing Your Job After 50: What Happens to Your Pension Fund? If you lose your job, you do not have to withdraw your pension fund capital immediately. Depending on your age and life situation, several paths are open: transferring the capital to a new employer's pension fund, parking it in vested benefits accounts, voluntarily continuing your insurance from age 58, or drawing a pension. Three frequently overlooked points deserve particular attention: the short extended cover for death and disability, the order of beneficiaries, and the tax planning of withdrawals.

What happens to the pension savings when moving outside the EU/EFTA? A move abroad changes many things, including in pension provision.